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PIP for motorcylist

Written by Matz Injury Law on .

“If I am riding my motorcycle, and am hit by a car, which insurance company pays my no-fault benefits?”

A motorcycle is not considered a “motor vehicle” under the common definitions in the No-Fault Act. If it were, the motorcyclist would be required to carry no-fault insurance, including coverage for unlimited medical benefits. Here is the schedule that lists the order of priority for payment of no-fault benefits (wage loss, medical benefits, etc.) for motorcyclists who are involved in collisions with cars and trucks (“motor vehicles”):

  1. The insurance company for the person who owns or registers the motor vehicle;
  2. The insurance company for the person who was driving the motor vehicle during the accident;
  3. The insurance company for any car or truck owned by the motorcycle operator;
  4. The insurance company for any car or truck owned by the person who also owned or registered the motorcycle; and
  5. Assigned Claims.

This is clearly a departure from the usual rules of no-fault coverage, which state that each person in an accident applies to his or her own no-fault coverage first, even if they aren’t in their own car when an accident happens. In cases where motorcyclists are in collisions with cars and trucks, it is the insurance for the car or truck that will provide no-fault coverage to the motorcyclist. It does not matter which driver was at fault.

Please keep in mind that there has to be evidence that a motor vehicle was involved in the collision for these rules to apply. Because a motorcycle is not a “motor vehicle” for no-fault purposes, there will not be any PIP (no-fault) coverage for either driver if two motorcycles collide, or for either person if a motorcyclist runs over, for example, a bicyclist or pedestrian (no “motor vehicle” involved).

Remember to keep your motorcycle endorsements, including no-helmet privileges, up to date, and carry the required insurance for medical coverage and liability so that you will be in compliance with the special group of laws that apply to motorcyclists in Michigan.

Source: MCL 500.3114(5)

Matz Injury Law

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Matz Injury Law

Matz Injury Law
Steve Matz and his team have been practicing law in Michigan for decades. They’ve logged hundreds of thousands of miles traveling to virtually every county in Michigan’s lower and upper peninsulas, meeting with clients, and doing the work necessary to earn significant settlements on their clients’ behalf.
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The maximum contingency fee permitted by law is actually 33 1/3%. Michigan court rules require that the attorney fee be computed on the net sum recovered after deducting all disbursements properly chargeable to the enforcement of the claim.

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We can charge 22% while virtually all other injury attorneys charge 33 1/3% because we are very, very, good at obtaining results for our clients. 

We do not spend millions of dollars on television ads; instead, we offer a lower fee to all our clients.  We do not have dozens of lower paid associates handling our work. All our clients are represented by Steven and Jared Matz. Steven Matz started the firm in 1977 and since then has dedicated his life to representing injury victims.  Jared joined the firm in 2016 but grew up listening to stories, discussing theories, and generally learning at the dinner table about how to effectively and compassionately represent injury victims. Jared Matz was literally born to represent individuals involved in motor vehicle crashes.

All of our cases are handled on a contingency fee and all our cases are handled at 22%. Whether the case settles or goes through trial, the fee does not change. While our competitors make excuses as to why they charge so much, we are obtaining results for our clients at a lower fee.

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