Last Updated on February 20, 2026 by The Insurance Pros
Understanding the Michigan Assigned Claims Plan (MACP)
The Michigan Assigned Claims Plan (MACP) helps people who are injured in a Michigan auto accident
when there is no applicable auto insurance available to pay no-fault benefits. The plan is maintained by the
Michigan Automobile Insurance Placement Facility (MAIPF).
The MACP is a safety net, not a replacement for auto insurance. If you qualify, your claim gets assigned to a
servicing insurer who investigates and handles benefits on behalf of the plan.
Who the MACP Can Help
The MACP is commonly used for situations like
- Injured passengers when no other policy applies
- Injured pedestrians or bicyclists with no available coverage
- Injured motorcyclists in certain no-coverage scenarios
- Other injured parties who have exhausted the normal “who pays first” rules
Before You File: The “Who Pays First” Rule
Michigan no-fault has an order of priority. In plain English, you typically must check for coverage in this order:
- Your own auto insurance (if you have it)
- A spouse’s policy (in many situations)
- A resident relative’s policy (if applicable)
- Then the MACP (only if no other coverage applies)
The MACP will not be the first stop if another policy should pay under Michigan’s priority rules.
If you are unsure, you can still start the MACP process, but expect eligibility to be reviewed carefully.
How to File a Michigan Assigned Claims Plan Claim
To file a claim, you’ll generally need:
- A completed and signed MACP application
- Proof of loss documentation (commonly a police report, EMS report, ER documentation, or similar)
- Accident details, involved vehicle info, and any insurance denials (if applicable)
The MACP application must be completed, signed, and received no later than one (1) year from the date of the accident.
You can start the process online through the official MACP portal:
File a Claim (MACP).
What Happens After You File
After you submit your claim, the MACP reviews it for basic eligibility. If it appears potentially eligible,
It will be assigned to a servicing insurer who investigates and makes the coverage decision.
Once assigned, most questions and documentation requests will go through the servicing insurer.
The MACP also maintains a directory for servicing insurers/TPAs.
See the directory and claim tools.
MACP Benefit Limits After Michigan Auto Reform
Michigan’s no-fault reform changed how benefits can work in assigned claims situations. Some categories have
specific caps and limitations depending on the facts of the accident and available coverage.
- Uninsured pedestrians and bicyclists: benefits may be capped in many situations
- The motorcyclist claims benefits can depend heavily on the other vehicle’s coverage and the applicable priority rules
- Bill submission timing: late-submitted expenses may be denied based on timing rules
Assigned claims questions get technical quickly. If you are dealing with a serious injury or coverage dispute,
Get help early so you do not miss deadlines or submit incomplete documentation.
Important Contact Information
Michigan Assigned Claims Plan (MACP)
- Mailing address: P.O. Box 2250, Farmington, MI 48333
- Phone: (734) 464-8111
- Fax: (734) 744-8552
- Claim tools: MACP File a Claim
Frequently Asked Questions
Can I use the MACP if I was the uninsured owner of the vehicle?
In many situations, no. Michigan law and MACP guidance generally restrict PIP eligibility for uninsured owners involved in the accident.
If you are unsure, file only with accurate information and expect eligibility to be reviewed carefully.
Does the accident have to happen in Michigan?
Generally, yes. Assigned claims benefits are typically tied to Michigan accidents and Michigan no-fault rules.
What documents should I include with my application?
Include proof of loss such as a police report, EMS report, ER documentation from the date of loss, and any other documentation that supports your claim.
Incomplete applications commonly slow down processing.
Why Keeping Auto Insurance Still Matters
The MACP exists for “no coverage available” situations, but it is not a substitute for a proper Michigan auto policy.
If you drive uninsured, you risk major gaps, delays, and caps that can put your health and finances at risk.
Need Help Reviewing Your Michigan Auto Coverage?
If your goal is to avoid assigned claims problems in the first place, start by confirming your policy is active and your coverages match your situation.
🚘 Get a Michigan Auto Insurance Quote
Note: This article is for general informational purposes. For official filing steps, forms, and current guidance, use the MACP portal linked above.
