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

Mich. Comp. Laws § 500.3125 (2026)

Priorities in claiming property protection benefits.

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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.3125 Priorities in claiming property protection benefits.

Sec. 3125.

    A person suffering accidental property damage shall claim property protection insurance benefits from insurers in the following order of priority: insurers of owners or registrants of vehicles involved in the accident; and insurers of operators of vehicles involved in the accident.

History: Add. 1972, Act 294, Eff. Mar. 30, 1973

PopularName Notes:

Act 218

PopularName Notes:

Essential Insurance

PopularName Notes:

No-Fault Insurance
Notes of Decisions
Cited in 19 cases (3 in the last 5 years), 1979–2025 · leading case: Meemic Ins. Co v. Michigan Millers Mut. Ins., 880 N.W.2d 327 (Mich. Ct. App. 2015).
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Meemic Ins. Co v. Michigan Millers Mut. Ins., 880 N.W.2d 327 (Mich. Ct. App. 2015). · cites it 11× “3121 and MCL 500.3125, even though it did not insure the Corvette.”
Turner v. Auto Club Ins. Ass'n, 528 N.W.2d 681 (Mich. 1995). · cites it 2× “13121(1); MCL 500.3125; MSA 24.13125. The Court of Appeals opinion is affirmed in part and reversed in part.”
Heard v. State Farm Mut. Auto. Ins., 324 N.W.2d 1 (Mich. 1982). · cites it 2× “" MCL 500.3125; MSA 24.13125. [14] See fn 10 above.”
Corwin v. DaimlerChrysler Ins., 819 N.W.2d 68 (Mich. Ct. App. 2012). “MCL 500.3125. As previously discussed, Chrysler LLC and its United States subsidiaries are not owners or registrants of the Jeep Compass.”
Home Ins. v. Rosquin, 282 N.W.2d 446 (Mich. Ct. App. 1979). · cites it 2× “A person suffering accidental property damage must claim property protection insurance benefits from the insurers of owners or registrants of vehicles involved in the accident or, if there are no such insurers, from the insurers of operators of vehicles involved in the accident.”
Auto Club Ins. Ass'n v. State Auto. Mut. Ins. Co., 671 N.W.2d 132 (Mich. Ct. App. 2003). “§ 500.3125. [5] The Court held: [F]or a vehicle to be considered "involved in the accident" under § 3125, the motor vehicle, being operated or used as a motor vehicle, must actively, as opposed to passively, contribute to the accident.”
AMY v. MIC Gen. Ins., 670 N.W.2d 228 (Mich. Ct. App. 2003). “3114(5), the final section for consideration is MCL 500.3125. This section regarding property protection insurance benefits follows the general schema for the payment of pip benefits.”
Dep't of Transp. v. Initial Transp. Inc., 740 N.W.2d 720 (Mich. Ct. App. 2007). · cites it 2× “5 million in property damages were done to the overpass as a result of the October 6, 2003, accident and that, under the no-fault act, plaintiff is entitled to property protection insurance benefits of $1 million against Employers as the insurer of the motor vehicle owned by…”
Michigan Millers Mut. Ins. v. Lancer Ins., 23 F. Supp. 3d 850 (E.D. Mich. 2014). · cites it 4× “Mich. Comp. Laws § 500.3125 (emphasis added).”
State Farm Fire & Cas. Co. v. Old Repub. Ins., 617 N.W.2d 715 (Mich. Ct. App. 2000). “” Moreover, we recognize, as apparently did the Legislature, that an accident may involve more than one vehicle and more than one policy, thereby precluding the use *110 of the definite article “the” before those words.”
Dep't of Transp. v. Nat'l Interstate Ins. Co, 951 N.W.2d 113 (Mich. Ct. App. 2019). · cites it 8× “3121, but resulted from the communications between the drivers, which the no-fault act did not cover.”
20251106_C371046_34_371046.Opn.Pdf, No. 20251106 (Mich. Ct. App. Nov. 6, 2025). · cites it 6× “nefit being sought—such as personal protection insurance (PIP) or property protection insurance (PPI)—or on the specific circumstances that gave rise to the claim? In this case, we address whether a properly parked vehicle that was struck by a moving car and propelled into a…”
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