Michigan No-Fault Law, section by section › MCL 500.3176
Taking costs into account in making and regulating rates.
In plain terms
The reasonable costs of handling assigned claims are recognized in setting auto liability and PIP rates.
How this section works in practice
A one-sentence funding rule. The reasonable costs of handling and paying assigned claims, including the assessments members pay under section 3171, are taken into account in setting rates for auto liability and personal protection insurance. In other words, the safety net for uninsured pedestrians and passengers is paid for by everyone who buys a Michigan policy, which is one reason the act pursues uninsured owners so aggressively under section 3177.
Text of MCL 500.3176
Sec. 3176.
Reasonable costs incurred in the handling and disposition of assigned claims, including amounts paid pursuant to assessments under section 3171, shall be taken into account in making and regulating rates for automobile liability and personal protection insurance.
History: Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 1972, Act 345, Imd. Eff. Jan. 9, 1973
Source: MCL 500.3176 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 500.3171: The Assigned Claims Plan and the MAIPF
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.
Every personal injury case turns on its own unique facts. The timing, the parties, the evidence, the jurisdiction, the insurance available, and dozens of other variables can change the legal analysis. Do not rely on anything written on this website to make decisions about your case.
If you have been injured in Michigan, the only responsible step is to speak with a licensed Michigan attorney about your specific facts. Call Koussan Law at (313) 800-0000 for a free consultation, or contact a different Michigan personal injury attorney of your choosing.
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