The Michigan Court of Appeals held that a no-fault PIP medical opt-out is ineffective unless all statutory requirements are met, including resident-relative coverage.

Michigan’s broad no-fault scheme extends PIP coverage to most people injured in auto accidents with a few frequently litigated exclusions. One of these exclusions bars coverage for a person injured while using or operating a vehicle that was “taken unlawfully” at the time of the accident. This exclusion appears in MCL 500.3113(a).

Michigan Court of Appeals clarifies PIP coverage selection under MCL 500.3107c, holding insurers are not required to verify Medicaid enrollment for $50,000 coverage.