Understanding the Michigan Assigned Claims Plan (MACP)

The Michigan Assigned Claims Plan (MACP) helps individuals who are injured in a car accident but have no applicable auto insurance. Created in 1973 and now administered by the Michigan Automobile Insurance Placement Facility (MAIPF), MACP ensures that injured parties still receive necessary no-fault benefits.

Who Is Covered by the MACP?

MACP provides personal injury protection (PIP) benefits for people injured due to the use of a motor vehicle when no coverage is available. It includes:

  • Passengers, pedestrians, and bicyclists
  • Motorcyclists involved in a crash with an uninsured motor vehicle
  • Drivers or occupants of uninsured vehicles

How to File a Michigan Assigned Claims Plan Claim

To start your claim:

  • Complete the official MACP claim form
  • Submit supporting documentation such as police reports or EMS records
  • Send all materials within one year of the accident date

You can file online through the MAIPF website.

Important Contact Information

Michigan Assigned Claims Plan
c/o Michigan Automobile Insurance Placement Facility
P.O. Box 532318, Livonia, MI 48153
Phone: 734-464-8111

MACP Benefits After Michigan Auto Reform (2020)

Following Michigan’s no-fault reform on July 1, 2020:

  • Drivers who opt out of PIP and lose health coverage have 30 days to select a new limit; during that time, MACP will cover up to $2 million.
  • After 30 days without PIP or health insurance, coverage ends entirely.
  • Motorcyclists coverage is now only up to the limits of the other vehicle’s policy.
  • Uninsured pedestrians and bicyclists have a new limit of $250,000 in PIP through MACP.

Why It’s Important to Maintain Auto Coverage

Don’t rely on MACP as your only safety net. Keeping valid Michigan auto insurance ensures you’re fully protected and avoids the limited coverage caps that apply to assigned claims.

Need Help with Michigan Auto Coverage?

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Being uninsured can put your health and finances at risk. Understanding how MACP works gives you the power to protect yourself and your loved ones.