What is the Michigan Assigned Claims Plan

The Michigan Assigned Claims Plan (MACP) program established by the State of Michigan in 1973 to provide access to Michigan no-fault benefits for people injured in a car or truck accident when no applicable car insurance is available. The Plan was previously administered by the Secretary of State and was known as the Michigan Assigned Claims Facility.  Effective January 1, 2013, Michigan Automobile Insurance Placement Facility (MAIPF) administers the Plan. 

How to file a claim with the Michigan Assigned Claims Plan

Submit your claim online at the MACP claim form for benefits.  The claimant must also provide reasonable proof of loss. Examples of proof can include Police reports or Emergency medical services reports taken at the scene of the accident. MAIPF must receive the completed application for benefits no more than one year after the date of the accident.

MACP contact information:

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

Who does the Michigan Assigned Claims Plan Cover

Personal injury protection benefits claims cover people injured because of accidental injury arising out of the ownership, operation, maintenance, or use of a motor vehicle as a motor vehicle.  Passengers, pedestrians, and bicyclists can make claims with the Plan. Claims can also be made for benefits if the injured person was a driver or passenger of a motorcycle if the accident was with a motor vehicle that did not have insurance.

( MACP) Benefits after Michigan auto reform July 1, 2020

  • If someone decides to opt-out of Michigan PIP coverage, and later loses their health insurance, they will have 30 days in which to choose a PIP limit. During those 30 days, they are eligible for up to $2M from MACP, but on day 31, they will lose PIP coverage.
  • After July 1, Motorcyclists will be subject to the limit the other vehicle has, regardless of what coverage they have on their personal auto policy.
  • Vehicle occupants, pedestrians, and bicyclists not otherwise insured with PIP coverage will be subject to the $250,000 limit thru MACP.

Finally, After July 1, 2020, It will be essential to make sure that you have the right auto coverage. Click the Get Quote button for a Michigan auto insurance quote. you can call 734-464-8111 to if you need to talk to someone about an assigned claim.