Last Updated on July 3, 2026 by iMichigan Insurance Editorial Team
Understanding the Michigan Assigned Claims Plan (MACP)
The Michigan Assigned Claims Plan (MACP) helps people injured in a Michigan auto accident when there is no applicable auto insurance available to provide Michigan no-fault Personal Injury Protection (PIP) benefits. The plan is administered by the Michigan Automobile Insurance Placement Facility (MAIPF) and serves as Michigan’s insurer of last resort when no other applicable coverage exists.
The MACP is a safety net, not a replacement for auto insurance. If you qualify, your claim is assigned to a servicing insurer that investigates your eligibility and administers benefits on behalf of the plan.
Who the Michigan Assigned Claims Plan Can Help
The MACP is most commonly used when an injured person has no other available source of Michigan no-fault benefits. Examples include:
- Injured passengers when no applicable insurance policy exists
- Injured pedestrians with no available coverage
- Injured bicyclists who have no higher-priority source of benefits
- Some motorcyclists, depending on the insurance covering the involved motor vehicle and Michigan’s priority rules
- Other injured individuals when no higher-priority source of PIP benefits exists under Michigan law
Qualifying for the MACP depends on Michigan’s no-fault priority rules. Simply being uninsured does not automatically qualify someone for assigned claims. Before benefits are available through the MACP, all available sources of applicable no-fault coverage must generally be exhausted.
Before You File: Understanding Michigan’s “Who Pays First” Rules
Michigan’s no-fault system follows an order of priority that determines which insurer is responsible for paying benefits. In many situations, coverage is reviewed in the following order:
- Your own Michigan auto insurance policy
- Your spouse’s policy, when applicable
- A resident relative’s policy, if one applies
- The Michigan Assigned Claims Plan, only when no other applicable coverage exists
The MACP is designed to be Michigan’s insurer of last resort. If another policy should provide benefits under Michigan law, that insurer generally pays before the Assigned Claims Plan becomes available.
How to File a Michigan Assigned Claims Plan Claim
To begin the claims process, you will generally need:
- A completed and signed MACP application
- Proof of loss documentation, such as a police report, EMS report, emergency room records, or similar documentation
- Accident details and vehicle information
- Insurance denial letters or other documentation, when applicable
The completed and signed MACP application must generally be received within one year of the date of the accident. Missing this deadline may affect your ability to pursue benefits.
After receiving your application, the MAIPF or the assigned servicing insurer may request additional documentation to determine eligibility. Responding promptly can help reduce delays during the review process.
You can begin the application process through the official MACP website.
Start a Michigan Assigned Claims Plan Claim
What Happens After You File
After your application is submitted, the MAIPF reviews the claim for basic eligibility. If the claim appears eligible, it is assigned to a servicing insurer that investigates coverage, reviews documentation, and determines whether benefits are payable.
Once assigned, most future communication, document requests, and benefit decisions will come directly from the servicing insurer handling your claim.
MACP Benefit Limits After Michigan Auto Insurance Reform
Michigan’s 2019 no-fault reform changed several aspects of assigned claims benefits.
- Medical expense limit: Eligible assigned claims generally provide up to $250,000 in allowable PIP medical benefits, subject to Michigan law and claim eligibility.
- Motorcyclist claims: Benefits depend heavily on the insurance available on the involved motor vehicle and Michigan’s priority rules.
- Uninsured pedestrians and bicyclists: Eligibility and available benefits depend on the specific facts of the accident and applicable statutes.
- Bill submission timing: Medical expenses submitted outside applicable deadlines may not be payable.
Assigned claims cases often involve complex eligibility questions. Keeping copies of every document, responding promptly to requests, and understanding applicable deadlines can help your claim move more efficiently.
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
- Official Claim Portal: https://www.michacp.org/file-claim.aspx
- Michigan Department of Insurance and Financial Services: Michigan Auto Insurance Resources
Frequently Asked Questions
Can I use the MACP if I owned the uninsured vehicle involved in the accident?
Generally, no. Michigan law typically prevents the owner of an uninsured vehicle involved in the accident from receiving PIP benefits through the Michigan Assigned Claims Plan. Limited exceptions may exist depending on the specific facts of the claim.
Does the accident have to occur in Michigan?
Generally, yes. The Michigan Assigned Claims Plan primarily applies to accidents governed by Michigan’s no-fault insurance laws.
What documents should I include with my application?
Provide proof of loss, such as a police report, EMS records, emergency room documentation, accident information, and any insurance denial letters that support your claim.
Can the Michigan Assigned Claims Plan deny my claim?
Yes. Claims may be denied if another insurer has priority, eligibility requirements are not met, required documentation is missing, or Michigan law otherwise prevents payment of benefits.
How much does the Michigan Assigned Claims Plan pay?
Eligible claims generally provide up to $250,000 in allowable PIP medical benefits, along with other no-fault benefits available under Michigan law, subject to eligibility requirements and applicable limitations.
Learn More About Michigan Auto Insurance
Understanding how Assigned Claims works is easier when you understand Michigan’s no-fault insurance system. You may also find these guides helpful:
- Michigan No-Fault Insurance Guide
- Understanding Michigan PIP Coverage Options
- What to Do After a Michigan Car Accident
Why Keeping Auto Insurance Still Matters
The Michigan Assigned Claims Plan exists to protect eligible accident victims when no other insurance is available, but it is not intended to replace a properly maintained auto insurance policy. Driving without insurance can result in significant coverage limitations, delayed claims, and the loss of valuable no-fault benefits.
Need Help Reviewing Your Michigan Auto Insurance?
The best way to avoid issues with assigned claims is to keep your policy active and ensure your coverages match your current needs. If you’d like a review of your Michigan auto insurance, we’re happy to help.
🚘 Get a Michigan Auto Insurance Quote
Disclaimer: This article is provided for general educational purposes and should not be considered legal advice. For current forms, filing requirements, and official guidance, visit the Michigan Assigned Claims Plan website.
Updated: July 2026
