Limitation of actions for recovery of personal or property protection insurance benefits; period of limitations; tolling; notice of injury.
MCL 500.3145
in effect500.3145. Limitation of actions for recovery of personal or property protection insurance benefits; period of limitations; tolling; notice of injury.
Sec. 3145.
(1) An action for recovery of personal protection insurance benefits payable under this chapter for an accidental bodily injury may not be commenced later than 1 year after the date of the accident that caused the injury unless written notice of injury as provided in subsection (4) has been given to the insurer within 1 year after the accident or unless the insurer has previously made a payment of personal protection insurance benefits for the injury.
(2) Subject to subsection (3), if the notice has been given or a payment has been made, the action may be commenced at any time within 1 year after the most recent allowable expense, work loss, or survivor's loss has been incurred. However, the claimant may not recover benefits for any portion of the loss incurred more than 1 year before the date on which the action was commenced.
(3) A period of limitations applicable under subsection (2) to the commencement of an action and the recovery of benefits is tolled from the date of a specific claim for payment of the benefits until the date the insurer formally denies the claim. This subsection does not apply if the person claiming the benefits fails to pursue the claim with reasonable diligence.
(4) The notice of injury required by subsection (1) may be given to the insurer or any of its authorized agents by a person claiming to be entitled to benefits for the injury, or by someone in the person's behalf. The notice must give the name and address of the claimant and indicate in ordinary language the name of the person injured and the time, place, and nature of the person's injury.
(5) An action for recovery of property protection insurance benefits may not be commenced later than 1 year after the accident.
Add. 1972, Act 294, Eff. Mar. 30, 1973; Am. 2019, Act 21, Imd. Eff. June 11, 2019
[Compiler] 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] Act 218
[PopularName] Essential Insurance
[PopularName] No-Fault Insurance
Source: Michigan Legislature (legislature.mi.gov)URL: https://legislature.mi.gov/Laws/MCL?objectName=mcl-500-3145Fetched: 10/20/2026