Michigan No-Fault Law, section by section › MCL 500.3174
Notice of claim through assigned claims plan; assignment of claim; notice to claimant; commencement of action by claimant.
In plain terms
A person claiming through the assigned claims plan must notify the MAIPF within one year after the accident. The MAIPF then assigns the claim to an insurer and tells the claimant who it is; suits follow the section 3145 limitations rules.
How this section works in practice
The assigned claims plan has its own deadline. A person claiming through the plan must notify the Michigan Automobile Insurance Placement Facility of the claim within one year after the date of the accident; the ordinary written notice to an insurer under section 3145 does not satisfy this requirement, because there is no insurer to notify. Once the facility makes its initial eligibility determination it promptly assigns the claim and tells the claimant which insurer will handle it. Any lawsuit then follows the limitation and one-year-back rules of section 3145. Pedestrians, passengers in uninsured cars and hit-and-run victims who do not know whether they have coverage should file the application within the year rather than wait for the coverage question to be sorted out; a late application cannot be cured.
Text of MCL 500.3174
Sec. 3174.
A person claiming through the assigned claims plan shall notify the Michigan automobile insurance placement facility of his or her claim within 1 year after the date of the accident. On an initial determination of a claimant's eligibility for benefits through the assigned claims plan, the Michigan automobile insurance placement facility shall promptly assign the claim in accordance with the plan and notify the claimant of the identity and address of the insurer to which the claim is assigned. An action by a claimant must be commenced as provided in section 3145.
History: Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 1972, Act 345, Imd. Eff. Jan. 9, 1973 ;-- Am. 2012, Act 204, Eff. Sept. 1, 2012 ;-- Am. 2019, Act 21, Imd. Eff. June 11, 2019
Source: MCL 500.3174 at legislature.mi.gov (official text). Text as published in the 2025 Michigan Compiled Laws; reviewed by Koussan Law on September 15, 2026.
Sections this one refers to
- MCL 500.3145: One-Year-Back Rule and Limitations
Practice pages
Important: This is not legal advice
This article is general information about Michigan personal injury law. It is not legal advice and should not be relied on as a substitute for consultation with a licensed Michigan attorney about your specific situation. The laws, deadlines, procedures, and frameworks here are general guidelines that may or may not apply to your case.
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