Can I get Michigan No-Fault benefits if I am in an auto accident in another state?
If you have Michigan no-fault benefits yourself, or through a resident relative’s policy, that coverage “follows” you to any state, U.S. territory, or to Canada. This means that you qualify for medical benefits, wage loss and the same “first party” coverage that you would have in an accident that happened in Michigan. This is true even if your vehicle was not involved in the out-of-state accident.
For example, if you went to another state for a vacation, and were injured while riding a bus, you could still qualify for Michigan no-fault benefits as long as you were covered by a Michigan policy at the time. This is especially helpful to remember if you have children who are away at school in other states. As long as they are covered on your policy here in Michigan, they are eligible for no-fault coverage if they get hurt in a motor vehicle accident in the other state. So don’t remove your children from your policy until they move away for good!
Of course, you may also qualify for other benefits or compensation as well, depending upon the facts of your particular situation.
The No-Fault system has its problems and limitations, but it is very valuable coverage as far as it goes. One of the good features has been described in this posting—it follows you like an umbrella to keep you protected when you travel to other states or to Canada.
Source: MCL 500.3111