Under Michigan’s No-Fault system, your own auto insurance typically pays your medical bills first—even if you were a pedestrian or bicyclist. This is called Personal Injury Protection (PIP) coverage.

Priority of payment (generally):

1. Your own No-Fault auto policy
2. A spouse’s or resident relative’s auto policy
3. If you have no household auto coverage: the Michigan Assigned Claims Plan, which can still provide benefits

What PIP typically covers:

• Medical bills (lifetime or up to your coverage cap, depending on your policy)
• Rehabilitation
• Attendant care
• Mileage for medical travel
• Lost wages (up to 3 years)
• Household replacement services

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