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

Mich. Comp. Laws § 500.3146 (2026)

Limitation of action by insurer for recovery or indemnity.

✓ current as of July 2026
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THE INSURANCE CODE OF 1956


Act 218 of 1956


500.3146 Limitation of action by insurer for recovery or indemnity.

Sec. 3146.

    An action by an insurer to enforce its rights of recovery or indemnity under section 3116 may not be commenced later than 1 year after payment has been received by a claimant upon a tort claim with respect to which the insurer has a right of reimbursement or recovery under section 3116.

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 6 cases (3 in the last 5 years), 1983–2026 · leading case: Westchester Fire Ins. v. Safeco Ins., 513 N.W.2d 212 (Mich. Ct. App. 1994).
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Westchester Fire Ins. v. Safeco Ins., 513 N.W.2d 212 (Mich. Ct. App. 1994). “On October 14, 1991, the trial court entered its order granting summary disposition to defendant Safeco on its claim for reimbursement against plaintiff Westchester. The trial court ordered plaintiff to pay defendant $57,000 for wage-loss benefits and medical expenses, in…”
Auto Club Ins. v. Henley, 344 N.W.2d 363 (Mich. Ct. App. 1983). “MCL 500.3146; MSA 24.13146 of the no-fault act governs the issue.”
Auto. Club Ins. Ass'n, Subrogee of Edward J. Koby, II v. Jean Hector Lapointe, 843 F.2d 964 (6th Cir. 1988). “Mich.Comp.Laws Ann.§ 500.3146 provides: An action by an insurer to enforce its rights of recovery or indemnity under section 3116 may not be commenced later than 1 year after payment has been received by a claimant upon a tort claim with respect to which the insurer has a right…”
Sharon Call v. L & Kj Enter. LLC Conflict (Mich. Ct. App. 2026). · cites it 4× “Further, MCL 500.3146 provides a limitations period for an insurer’s action seeking recovery or indemnification under MCL 500.”
Esurance Prop & Cas. Ins Co v. Michigan Assigned Claims Plan (Mich. 2021). “3116 (providing rights of reimbursement and indemnity to no-fault insurers for cases in which a claimant recovers on a tort claim); MCL 500.3146 (setting a limitations period for claims for reimbursement or indemnity brought under MCL 500.”
Esurance Prop & Cas. Ins Co v. Michigan Assigned Claims Plan (Mich. 2021). “3116 (providing rights of reimbursement and indemnity to no-fault insurers for cases in which a claimant recovers on a tort claim); MCL 500.3146 (setting a limitations period for claims for reimbursement or indemnity brought under MCL 500.”
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