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

Mich. Comp. Laws § 500.3142 (2026)

Personal protection insurance benefits payable as loss accrues; overdue benefits; interest.

✓ current as of July 2026
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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.3142 Personal protection insurance benefits payable as loss accrues; overdue benefits; interest.

Sec. 3142.

    (1) Personal protection insurance benefits are payable as loss accrues.

    (2) Subject to subsection (3), personal protection insurance benefits are overdue if not paid within 30 days after an insurer receives reasonable proof of the fact and of the amount of loss sustained. Subject to subsection (3), if reasonable proof is not supplied as to the entire claim, the amount supported by reasonable proof is overdue if not paid within 30 days after the proof is received by the insurer. Subject to subsection (3), any part of the remainder of the claim that is later supported by reasonable proof is overdue if not paid within 30 days after the proof is received by the insurer. For the purpose of calculating the extent to which benefits are overdue, payment must be treated as made on the date a draft or other valid instrument was placed in the United States mail in a properly addressed, postpaid envelope, or, if not so posted, on the date of delivery.

    (3) For personal protection insurance benefits under section 3107(1)(a), if a bill for the product, service, accommodations, or training is not provided to the insurer within 90 days after the product, service, accommodations, or training is provided, the insurer has 60 days in addition to 30 days provided under subsection (2) to pay before the benefits are overdue.

    (4) An overdue payment bears simple interest at the rate of 12% per annum.

History: Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 2019, Act 21, Imd. Eff. June 11, 2019

Compiler's Notes:

    Act 143 of 1993, which amended this section, was submitted to the people by referendum petition (as Proposal C) and rejected by a majority of the votes cast at the November 8, 1994, general election.

PopularName Notes:

Act 218

PopularName Notes:

Essential Insurance

PopularName Notes:

No-Fault Insurance
Notes of Decisions
Cited in 251 cases (66 in the last 5 years), 1973–2026 · leading case: Moore v. Secura Ins., 759 N.W.2d 833 (Mich. 2008).
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Moore v. Secura Ins., 759 N.W.2d 833 (Mich. 2008). · cites it 54× “Because the Court of Appeals erred in its interpretation of MCL 500.3142 and MCL 500.3148, we reverse.”
Bronson Health Care Grp. Inc v. Titan Ins. Co., 887 N.W.2d 205 (Mich. Ct. App. 2016). · cites it 18× “, appeals by right the trial court’s order denying its motions for penalty interest from defendant Titan Insurance Company under MCL 500.3142 and for attorney fees and costs from Titan under MCL 600.”
Bonkowski v. Allstate Ins., 761 N.W.2d 784 (Mich. Ct. App. 2008). · cites it 21× “If the jury determined that the benefits were overdue, then the jury was required to consider whether penalty interest under MCL 500.3142 should be awarded to plaintiff.”
Devillers v. Auto Club Ins. Ass'n, 702 N.W.2d 539 (Mich. 2005). · cites it 10× “MCL 500.3142(2) provides generally that PIP benefits are overdue if not paid within thirty days after an insurer receives reasonable proof of the fact and amount of loss sustained.”
Cruz v. State Farm Mut. Auto. Ins., 648 N.W.2d 591 (Mich. 2002). · cites it 8× “§ 500.3142[2] of the no-fault act). Notwithstanding this compliance by the insured with the statutory requirement, because State Farm had in its policy a provision that conditioned payment of benefits on the submission by the insured to an EUO as often as reasonably asked, [2]…”
Nasser v. Auto Club Ins. Ass'n, 457 N.W.2d 637 (Mich. 1990). · cites it 12× “[2] The trial court did not award damages on the basis of defendant's "intentional" and "outrageous" conduct, although it did award plaintiff attorney fees *42 under MCL 500.3148; MSA 24.13148 and statutory postcomplaint interest pursuant to MCL 600.”
Borgess Med. Ctr. v. Resto, 730 N.W.2d 738 (Mich. Ct. App. 2007). · cites it 32× “Thus, plaintiff alleged that it was entitled to penalty interest under MCL 500.3142 and attorney fees under MCL 500.”
Lakeland Neurocare Centers v. State Farm Mut. Auto. Ins., 645 N.W.2d 59 (Mich. Ct. App. 2002). · cites it 11× “Plaintiff appeals as of right from an order denying its motion for no-fault penalty interest, MCL 500.3142, and attorney fees, MCL 500.”
In re City of Detroit, 548 B.R. 748 (Bankr. E.D. Mich. 2016). · cites it 8× “” Mich. Comp. Laws § 500.3142 (2). Overdue payments bear interest at a rate of 12% per year.”
Bronson Methodist Hosp. v. Auto-Owners Ins., 295 Mich. App. 431 (Mich. Ct. App. 2012). · cites it 5× “3158(2) and failed to provide reasonable proof of the fact and amount of loss as required by MCL 500.3142 by refusing to provide copies of purchase invoices showing the cost to plaintiff of the items billed as “Supply/Implants in the amount of $61,237.”
Roberts v. Farmers Ins. Exch., 737 N.W.2d 332 (Mich. Ct. App. 2007). · cites it 6× “” Plaintiff further alleged that Farmers “has unreasonably refused to pay or has *62 unreasonably delayed making proper payments to Plaintiff contrary to MCL 500.3142 and MCLA 500.3148____" 1 *63 On August 25, 2004, 2 Farmers reaffirmed its discontinuation of benefits for…”
Williams v. Aaa Michigan, 646 N.W.2d 476 (Mich. Ct. App. 2002). · cites it 6× “4 *264 m Defendant next argues that the trial court incorrectly awarded plaintiff penalty interest pursuant to MCL 500.3142(2), which provides in relevant part as follows: Personal protection insurance benefits are overdue if not paid within 30 days after an insurer receives…”
Show all 251 citing cases →
— Mich. Comp. Laws § 500.3142(1) — 36 cases
Manley v. Detroit Auto. Inter-Ins. Exch., 388 N.W.2d 216 (Mich. 1986).
Nasser v. Auto Club Ins. Ass'n, 457 N.W.2d 637 (Mich. 1990). “[2] The trial court did not award damages on the basis of defendant's "intentional" and "outrageous" conduct, although it did award plaintiff attorney fees *42 under MCL 500.3148; MSA 24.13148 and statutory postcomplaint interest pursuant to MCL 600.”
Lakeland Neurocare Centers v. State Farm Mut. Auto. Ins., 645 N.W.2d 59 (Mich. Ct. App. 2002). “Plaintiff appeals as of right from an order denying its motion for no-fault penalty interest, MCL 500.3142, and attorney fees, MCL 500.”
Muci v. State Farm Mut. Auto. Ins., 705 N.W.2d 151 (Mich. Ct. App. 2005).
Henry Ford Health Sys. v. Everest Nat'l Ins. Co., 927 N.W.2d 717 (Mich. Ct. App. 2018).
— Mich. Comp. Laws § 500.3142(2) — 126 cases
Moore v. Secura Ins., 759 N.W.2d 833 (Mich. 2008). “Because the Court of Appeals erred in its interpretation of MCL 500.3142 and MCL 500.3148, we reverse.”
Devillers v. Auto Club Ins. Ass'n, 702 N.W.2d 539 (Mich. 2005). “MCL 500.3142(2) provides generally that PIP benefits are overdue if not paid within thirty days after an insurer receives reasonable proof of the fact and amount of loss sustained.”
Bronson Health Care Grp. Inc v. Titan Ins. Co., 887 N.W.2d 205 (Mich. Ct. App. 2016). “, appeals by right the trial court’s order denying its motions for penalty interest from defendant Titan Insurance Company under MCL 500.3142 and for attorney fees and costs from Titan under MCL 600.”
Williams v. Aaa Michigan, 646 N.W.2d 476 (Mich. Ct. App. 2002). “4 *264 m Defendant next argues that the trial court incorrectly awarded plaintiff penalty interest pursuant to MCL 500.3142(2), which provides in relevant part as follows: Personal protection insurance benefits are overdue if not paid within 30 days after an insurer receives…”
Nasser v. Auto Club Ins. Ass'n, 457 N.W.2d 637 (Mich. 1990). “[2] The trial court did not award damages on the basis of defendant's "intentional" and "outrageous" conduct, although it did award plaintiff attorney fees *42 under MCL 500.3148; MSA 24.13148 and statutory postcomplaint interest pursuant to MCL 600.”
— Mich. Comp. Laws § 500.3142(3) — 44 cases
Bonkowski v. Allstate Ins., 761 N.W.2d 784 (Mich. Ct. App. 2008). “If the jury determined that the benefits were overdue, then the jury was required to consider whether penalty interest under MCL 500.3142 should be awarded to plaintiff.”
Devillers v. Auto Club Ins. Ass'n, 702 N.W.2d 539 (Mich. 2005). “MCL 500.3142(2) provides generally that PIP benefits are overdue if not paid within thirty days after an insurer receives reasonable proof of the fact and amount of loss sustained.”
Cruz v. State Farm Mut. Auto. Ins., 648 N.W.2d 591 (Mich. 2002). “§ 500.3142[2] of the no-fault act). Notwithstanding this compliance by the insured with the statutory requirement, because State Farm had in its policy a provision that conditioned payment of benefits on the submission by the insured to an EUO as often as reasonably asked, [2]…”
Moore v. Secura Ins., 759 N.W.2d 833 (Mich. 2008). “Because the Court of Appeals erred in its interpretation of MCL 500.3142 and MCL 500.3148, we reverse.”
Abdul Nahshal v. Fremont Ins. Co., 922 N.W.2d 662 (Mich. Ct. App. 2018).
— Mich. Comp. Laws § 500.3142(4) — 13 cases
Shelby Rose Sowle v. Esurance Ins. Co. (Mich. Ct. App. 2020).
Esurance Prop & Cas. Ins Co v. Michigan Assigned Claims Plan (Mich. 2021).
Esurance Prop & Cas. Ins Co v. Michigan Assigned Claims Plan (Mich. 2021).
Hannah Tabroski v. Auto-Owners Ins. Co. (Mich. Ct. App. 2023).
Beaumont Health v. Michigan Auto. Ins Placement Facility (Mich. Ct. App. 2023).
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