FAQ

After a deer-related crash in Michigan, does PIP cover my injuries if I didn’t hit the deer but swerved and crashed?

Yes. Under Michigan’s No-Fault Personal Injury Protection (PIP) coverage, your injuries are covered even if you never made contact with the deer. As long as the crash involved the “use of a motor vehicle,” PIP applies — even if you swerved into a ditch or tree to avoid the animal.

Your PIP benefits include medical expenses, lost wages, and replacement services (like help around the house), up to your chosen policy limit. However, vehicle damage is covered under comprehensive coverage, not PIP.