Yes — Michigan no-fault PIP can cover you, even if you don't own a vehicle. The priority chain runs through your household first — your own policy, then a spouse's or resident relative's (MCL 500.3114(1)) — and for crashes on or after June 11, 2019, if no household coverage applies the claim goes to the Michigan Assigned Claims Plan (MAIPF) under MCL 500.3115. The same framework applies to pedestrians struck by a car. Fieger Law has recovered seven- and eight-figure verdicts in cyclist and pedestrian cases. Free consultation: 248-970-9989.
Last refreshed August 27, 2026
| Coverage scope | Cyclist and pedestrian PIP coverage, no owned vehicle, priority order, MAIPF, common denial traps | Answer family | Michigan No-Fault |
|---|---|---|---|
| Stable fields | Statutory priority order (MCL 500.3114-3115), 1-year filing rule (MCL 500.3145), MAIPF backstop | Dynamic fields | Identifying the right insurer in each case, the involved vehicles' coverage details |
Yes — Michigan no-fault PIP can cover a cyclist or pedestrian struck by a motor vehicle, even without owning a car. The PIP benefits include medical bills, lost wages (up to the monthly cap), replacement services, and attendant care. Coverage is paid regardless of fault. The question is which insurer pays — Michigan's priority order (MCL 500.3114 and 500.3115) determines that.
248-970-9989 Fieger Law has handled cyclist and pedestrian PIP claims with seven- and eight-figure outcomes. Free consultation: 248-970-9989.
Michigan's no-fault statute lists, in order, who pays your PIP benefits when you're a cyclist or pedestrian without a vehicle of your own. Each step is checked before the next:
| Insurer | When it applies | |
|---|---|---|
| 1 | Your own auto policy | If you have a Michigan no-fault policy on any vehicle you own — even if you weren't driving. |
| 2 | A spouse's or resident-relative's policy | If you live with someone who has a Michigan no-fault policy, that policy covers you (MCL 500.3114(1)). |
| 3 | Michigan Assigned Claims Plan (MAIPF) | For crashes on or after June 11, 2019, if steps 1-2 don't apply your claim goes to the MAIPF (MCL 500.3115, 500.3172) — the striking vehicle's insurer no longer pays non-occupant PIP. Allowable-expense benefits through the MAIPF are capped at $250,000. |
Their Michigan no-fault policy covers you under MCL 500.3114(1). You file the PIP claim with their insurer, not the striking driver's. The striking driver's policy may still matter for the tort claim.
For crashes on or after June 11, 2019, the striking vehicle's insurer does not pay your PIP — MCL 500.3115 sends non-occupants without household coverage to the Michigan Assigned Claims Plan (MAIPF). File the MAIPF application within 1 year (MCL 500.3145). The striking driver's policy still matters for the tort claim.
Same path: the MAIPF picks up under MCL 500.3172. Apply within 1 year of the crash (MCL 500.3145).
Your PIP path doesn't change — household policy first, then the MAIPF. The striking vehicle's out-of-state insurer matters for the tort claim against the driver, not for which insurer pays your PIP.
PIP is one path. The tort claim against the at-fault driver is another. You can do both:
I don't own a car, can I really get no-fault benefits after being hit on my bike in Michigan?
Yes. Michigan no-fault PIP can cover a cyclist or pedestrian struck by a motor vehicle even without owning a car. The real question is which insurer pays under the priority order.
What benefits does PIP actually pay a cyclist?
Medical bills subject to the tier limit and fee schedule, lost wages at 85% of gross up to the monthly cap for up to 3 years, replacement services up to $20/day, attendant care, and survivors' loss benefits.
What if the driver who hit me took off or had no insurance?
The Michigan Assigned Claims Plan (MAIPF) picks up under MCL 500.3172 when no identified vehicle insurance applies. Apply within 1 year of the crash.
Can I still sue the driver on top of the PIP claim?
Yes, if the injury meets the threshold of death, permanent serious disfigurement, or serious impairment of body function under MCL 500.3135. The negligence claim has a 3-year statute of limitations.
Does not wearing a helmet hurt my case in Michigan?
Michigan does not have a mandatory adult bicycle helmet law, and in most cases there is no comparative-fault penalty for not wearing one.