Mich. Comp. Laws » Michigan Compiled Laws / Chapter 500 / Act 218 of 1956
Michigan Compiled Laws

Mich. Comp. Laws § 500.3113 (2026)

Person not entitled to personal protection insurance benefits.

✓ current as of July 2026
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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.3113 Person not entitled to personal protection insurance benefits.

Sec. 3113.

    A person is not entitled to be paid personal protection insurance benefits for accidental bodily injury if at the time of the accident any of the following circumstances existed:

    (a) The person was willingly operating or willingly using a motor vehicle or motorcycle that was taken unlawfully, and the person knew or should have known that the motor vehicle or motorcycle was taken unlawfully.

    (b) The person was the owner or registrant of a motor vehicle or motorcycle involved in the accident with respect to which the security required by section 3101 or 3103 was not in effect.

    (c) The person was not a resident of this state, unless the person owned a motor vehicle that was registered and insured in this state.

    (d) The person was operating a motor vehicle or motorcycle as to which he or she was named as an excluded operator as allowed under section 3009(2).

    (e) The person was the owner or operator of a motor vehicle for which coverage was excluded under a policy exclusion authorized under section 3017 or 3018.

    

    

History: Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 1986, Act 93, Eff. July 8, 1986 ;-- Am. 2014, Act 489, Imd. Eff. Jan. 13, 2015 ;-- Am. 2016, Act 346, Eff. Mar. 21, 2017 ;-- Am. 2019, Act 21, Imd. Eff. June 11, 2019 ;-- Am. 2024, Act 224, Eff. Oct. 17, 2025

Compiler's Notes:

    Section 2 of Act 93 of 1986 provides: “This amendatory act shall not apply to causes of action arising before the effective date of this amendatory act.”

PopularName Notes:

Act 218

PopularName Notes:

Essential Insurance

PopularName Notes:

No-Fault Insurance
Notes of Decisions
Cited in 275 cases (92 in the last 5 years), 1976–2026 · leading case: Spectrum Health Hospitals v. Farm Bureau Mut. Ins Co of Michigan, 492 Mich. 503 (Mich. 2012).
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Spectrum Health Hospitals v. Farm Bureau Mut. Ins Co of Michigan, 492 Mich. 503 (Mich. 2012). · cites it 216× “It states in relevant part: A person is not entitled to be paid [PIP] benefits for accidental bodily injury if at the time of the accident any of the following circumstances existed: (a) The person was using a motor vehicle or motorcycle which he or she had taken unlawfully,…”
Amerisure Ins. v. Plumb, 766 N.W.2d 878 (Mich. Ct. App. 2009). · cites it 36× “3113 precludes PIP benefits under certain circumstances, and it provides, in pertinent part: A person is not entitled to be paid personal protection insurance benefits for accidental bodily injury if at the time of the accident any of the following circumstances existed: (a) The…”
Rachel Amy Maurer v. Fremont Ins. Co., 926 N.W.2d 848 (Mich. Ct. App. 2018). · cites it 25× “Maurer failed to disclose the vehicle's use in 2012 fails, at least for purposes of summary disposition, because the evidence is uncontested that he complied with the directive on the declaration sheet to "contact your agent" in the event of any changes to or inaccuracies in the…”
Ali Bazzi v. Sentinel Ins. Co., 919 N.W.2d 20 (Mich. 2018). · cites it 8× “And because the insurer bears the cost of PIP coverage for innocent third parties whether they rescind the policy or not, the majority's decision-requiring equitable balancing in each case-has built a bridge to nowhere.”
Allen v. State Farm Mut. Auto. Ins., 708 N.W.2d 131 (Mich. Ct. App. 2005). · cites it 50× “However, under MCL 500.3113, PIP benefits are precluded under certain circumstances.”
Roberts v. Titan Ins. Co.(on Recon.), 764 N.W.2d 304 (Mich. Ct. App. 2009). · cites it 29× “MCL 500.3113 Section 3113 of the no-fault insurance act [9] provides, in pertinent part, as follows: A person is not entitled to be paid personal protection insurance benefits for accidental bodily injury if at the time of the accident any of the following circumstances existed:…”
Iqbal v. Bristol West Ins. Grp., 748 N.W.2d 574 (Mich. Ct. App. 2008). · cites it 20× “] Although Jasinski did not address MCL 500.3113 and involved different facts, the gist of the holding was that, while VanderArk may have been considered the owner of the tractor pursuant to statute, VanderArk was not required to procure an additional insurance policy on the…”
Monaco v. Home-Owners Ins. Co., 896 N.W.2d 32 (Mich. Ct. App. 2016). · cites it 21× “is not relevant under the unlawful taking language in MCL 500.3113.” And this Court has observed that, with respect to the language in MCL 500.”
Shinn v. Michigan Assigned Claims Facility, 887 N.W.2d 635 (Mich. Ct. App. 2016). · cites it 11× “At the time Heard was decided, MCL 500.3113, as added by 1972 PA 294 , provided: A person is not entitled to be paid personal protection insurance benefits for accidental bodily injury if at the time of the accident any of the following circumstances existed: (a) The person was…”
Rambin v. Allstate Ins., 825 N.W.2d 95 (Mich. Ct. App. 2012). · cites it 57× “MCL 500.3113 provides, in pertinent part: *683 A person is not entitled to be paid personal protection insurance benefits for accidental bodily injury if at the time of the accident any of the following circumstances existed: (a) The person was using a motor vehicle or…”
Bronson Methodist Hosp. v. Michigan Assigned Claims Facility, 298 Mich. App. 192 (Mich. Ct. App. 2012). · cites it 7× “” Progressive denied no-fault benefits for Pillars under the policy’s named-driver exclusion 1 and MCL 500.3113(b), which provides: *195 A person is not entitled to be paid personal protection insurance benefits for accidental bodily injury if at the time of the accident.”
Barnes v. Farmers Ins. Exch., 862 N.W.2d 681 (Mich. Ct. App. 2014). · cites it 8× “MCL 500.3113 provides that [a] person is not entitled to be paid personal protection insurance benefits for accidental bodily injury if at the time of the accident any of the following circumstances existed: (b) The person was the owner or registrant of a motor vehicle or…”
Show all 275 citing cases →
— Mich. Comp. Laws § 500.3113(2) — 1 case
in Re Guardianship of Leonard Dear (Mich. Ct. App. 2019).
— Mich. Comp. Laws § 500.3113(4) — 3 cases
Theodis Willis Jr v. John Doe (Mich. Ct. App. 2018).
Theodis Willis Jr v. John Doe (Mich. Ct. App. 2018).
in Re Guardianship of Leonard Dear (Mich. Ct. App. 2019).
— Mich. Comp. Laws § 500.3113(4)(a) — 1 case
Nationwide Mut. Fire Ins. Co v. Cincinnati Ins. Co (Mich. Ct. App. 2022).
— Mich. Comp. Laws § 500.3113(B) — 2 cases
Rachel Amy Maurer v. Fremont Ins. Co., 926 N.W.2d 848 (Mich. Ct. App. 2018). “Maurer failed to disclose the vehicle's use in 2012 fails, at least for purposes of summary disposition, because the evidence is uncontested that he complied with the directive on the declaration sheet to "contact your agent" in the event of any changes to or inaccuracies in the…”
Lamin Fatty v. Farm Bureau Gen. Ins. Co. of Michigan (Mich. Ct. App. 2023).
— Mich. Comp. Laws § 500.3113(a) — 67 cases
Spectrum Health Hospitals v. Farm Bureau Mut. Ins Co of Michigan, 492 Mich. 503 (Mich. 2012). “It states in relevant part: A person is not entitled to be paid [PIP] benefits for accidental bodily injury if at the time of the accident any of the following circumstances existed: (a) The person was using a motor vehicle or motorcycle which he or she had taken unlawfully,…”
Amerisure Ins. v. Plumb, 766 N.W.2d 878 (Mich. Ct. App. 2009). “3113 precludes PIP benefits under certain circumstances, and it provides, in pertinent part: A person is not entitled to be paid personal protection insurance benefits for accidental bodily injury if at the time of the accident any of the following circumstances existed: (a) The…”
Roberts v. Titan Ins. Co.(on Recon.), 764 N.W.2d 304 (Mich. Ct. App. 2009). “MCL 500.3113 Section 3113 of the no-fault insurance act [9] provides, in pertinent part, as follows: A person is not entitled to be paid personal protection insurance benefits for accidental bodily injury if at the time of the accident any of the following circumstances existed:…”
Monaco v. Home-Owners Ins. Co., 896 N.W.2d 32 (Mich. Ct. App. 2016). “is not relevant under the unlawful taking language in MCL 500.3113.” And this Court has observed that, with respect to the language in MCL 500.”
Allen v. State Farm Mut. Auto. Ins., 708 N.W.2d 131 (Mich. Ct. App. 2005). “However, under MCL 500.3113, PIP benefits are precluded under certain circumstances.”
— Mich. Comp. Laws § 500.3113(b) — 133 cases
Rachel Amy Maurer v. Fremont Ins. Co., 926 N.W.2d 848 (Mich. Ct. App. 2018). “Maurer failed to disclose the vehicle's use in 2012 fails, at least for purposes of summary disposition, because the evidence is uncontested that he complied with the directive on the declaration sheet to "contact your agent" in the event of any changes to or inaccuracies in the…”
Iqbal v. Bristol West Ins. Grp., 748 N.W.2d 574 (Mich. Ct. App. 2008). “] Although Jasinski did not address MCL 500.3113 and involved different facts, the gist of the holding was that, while VanderArk may have been considered the owner of the tractor pursuant to statute, VanderArk was not required to procure an additional insurance policy on the…”
Shinn v. Michigan Assigned Claims Facility, 887 N.W.2d 635 (Mich. Ct. App. 2016). “At the time Heard was decided, MCL 500.3113, as added by 1972 PA 294 , provided: A person is not entitled to be paid personal protection insurance benefits for accidental bodily injury if at the time of the accident any of the following circumstances existed: (a) The person was…”
Bronson Methodist Hosp. v. Michigan Assigned Claims Facility, 298 Mich. App. 192 (Mich. Ct. App. 2012). “” Progressive denied no-fault benefits for Pillars under the policy’s named-driver exclusion 1 and MCL 500.3113(b), which provides: *195 A person is not entitled to be paid personal protection insurance benefits for accidental bodily injury if at the time of the accident.”
Barnes v. Farmers Ins. Exch., 862 N.W.2d 681 (Mich. Ct. App. 2014). “MCL 500.3113 provides that [a] person is not entitled to be paid personal protection insurance benefits for accidental bodily injury if at the time of the accident any of the following circumstances existed: (b) The person was the owner or registrant of a motor vehicle or…”
— Mich. Comp. Laws § 500.3113(c) — 19 cases
Bev Smith, Inc. v. Atwell, 836 N.W.2d 872 (Mich. Ct. App. 2013).
Ali Bazzi v. Sentinel Ins. Co., 919 N.W.2d 20 (Mich. 2018). “And because the insurer bears the cost of PIP coverage for innocent third parties whether they rescind the policy or not, the majority's decision-requiring equitable balancing in each case-has built a bridge to nowhere.”
Parks v. Detroit Auto. Inter-Ins. Exch., 393 N.W.2d 833 (Mich. 1986).
McGhee v. Helsel, 686 N.W.2d 6 (Mich. Ct. App. 2004).
DeMeglio v. Auto Club Ins. Ass'n, 534 N.W.2d 665 (Mich. 1995).
— Mich. Comp. Laws § 500.3113(d) — 3 cases
Bronson Health Care Grp. Inc v. State Auto Prop. & Cas. (Mich. Ct. App. 2019).
Sakhar Algaheim v. Michigan Auto Ins. Placement Facility (Mich. Ct. App. 2023).
20230221_C358675_36_358675.Opn.Pdf (Mich. Ct. App. 2023).
— Mich. Comp. Laws § 500.3113(e) — 2 cases
Valere Scott v. Esurance Prop. & Cas. Ins Co (Mich. Ct. App. 2023).
Am. Physio LLC v. State Farm Mut. Auto Ins. Co. (Mich. Ct. App. 2024).
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