Insurance Agency in Keego Harbor, MI • (248) 682-1510

Motorcycle Insurance Update in Michigan

The order of priority for covering motorcycles remains the same under the new No Fault changes in Michigan. This is for collecting medical payments when you are involved in an accident with a vehicle. You collect in the following order:

1) Insurer of the operator of the motor vehicle
2) Insurer of the operator of the motorcycle. (You auto policy.)
3) Insurer of the owner/registrant of the motorcycle.

The one change is if there is no auto policy to collect from; you now turn to the MACP with a $250,000 limit.

Here is the problem. If the policy involved in the order of priority is one that opts out of the PIP Medical Coverages, the motorcyclist will have to file a claim with the MACP with a $250,000 limit. Before this 7-2-2020 change, you always had Unlimited Medical benefits if you hit a car or truck. Also, the motorcyclist is now limited to the No-Fault benefits of the operator of the motor vehicle. It could be Unlimited, $500,000, $250,000, or $50,000. The motorcyclist will not be able to go against the MACP. The only recourse is to sue the at-fault driver for excess medical benefits beyond the coverage the driver selected.

This is why it is more important for you to select higher medical payment limits on your motorcycle policy. In 2018 more than 2,100 motorcyclists were injured and another 134 died in Michigan. Riding in Michigan is now like playing Russian Rolette. You never know what benefits you will have should you hit a car or a truck. The ability for you to collect lifetime medical benefits is dependent on the randomness of whether the vehicle involved in the crash had lifetime no-fault benefits.

Complete Insurance Services has been providing the best insurance protection at the most reasonable prices for over 20 years. As an independent agency representing numerous insurance companies, we specialize in providing personalized insurance coverage that meets the needs of families and business.

Our products include workers’ compensation insurance, auto insurance, business insurance, health insurance, life insurance and much more! Call us to speak with an experienced agent about your personalized insurance needs.

John Linemeyer CPCU

MACP Michigan Assigned Claims Plan formerly the Michigan Assigned Claims Facility.

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Keego Harbor’s top-rated agency for exceptional personal and business insurance solutions.

Joe Morrison
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Walker & his staff at Complete Insurance Services are second to none. We get personal, timely service on top of unbelievable rates. Have happily recommended them to family, friends & colleagues. If you need insurance, look no further!!
Sarah Shock
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Walker and his team have gone above and beyond for our family on multiple occasions. By far the easiest company I have worked with for communication.
Aaron F.
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I have been insured by Auto Owners Insurance through the Complete Insurance Agency for more than 10 years. John and his staff have helped me through a few houses and a couple of claims. Top notch service from a very professional organization. Thank you for all of your service !
Kim Simmons
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Best insurance agents I've ever dealt with. I've got my auto and homeowners with them. A few homeowners claims with no problems. Every time I call, they treat me like family and quickly respond to my requests. I have , and will recommend them to anyone.
Sheryl Parker
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Great pricing and good service. Very knowledgeable.
Dave Trish
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Walker is fantastic. Quick to respond and always finds the best rates.
Dominic Jr C.
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Simply the best service anyone can ask for. Been with them for 24 years. Looking forward to 24 more!
Zada F.
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I like the fact that this is a family owned and operated business. They have helped to individualize my auto and home insurance needs. The staff is always helpful in answering my questions. Iv'e been with the company for over twenty years.