Author: Jason Waechter | Date: March 6, 2026 | Category: Insurance, Motorcycle Laws, News
Legal Insight from Jason Waechter, The Motorcycle Lawyer®.
If you were injured in a motorcycle crash and have questions about medical coverage or
who pays medical bills after a motorcycle accident in Michigan, you can
Get a Free Case Review
or call 1-877-BIKER-LAW.
A new Michigan Court of Appeals decision could significantly change how Michigan motorcycle medical coverage works after a crash involving a car.
For years, many riders were shocked to learn that the driver who hit them controlled how much medical coverage was available under Michigan motorcycle insurance law. If that driver carried low coverage limits, injured motorcyclists could be left facing enormous medical bills.
A recent court ruling may finally help correct part of that problem.
Attorney Jason Waechter, known as The Motorcycle Lawyer®, explains what this important Michigan motorcycle law update means and why it could affect injured riders across the state.
If you or someone you love was injured in a motorcycle crash and have questions about medical benefits or insurance coverage, you can contact our office for a free consultation.
Michigan’s no-fault system treats motorcycles differently than cars, trucks, and other motor vehicles.
Because motorcycles are not classified as “motor vehicles” under Michigan’s no-fault insurance law, riders injured in crashes often must first rely on the insurance policy covering the car involved in the crash.
This created a major problem under modern Michigan motorcycle insurance law. Drivers can now select limited Personal Injury Protection (PIP) medical coverage, sometimes as low as $50,000.
When that limited coverage was exhausted, injured riders could be left responsible for the rest of their medical bills.
When motorcyclists learn about this issue, they often ask questions like:
The new Court of Appeals ruling may help address part of that problem.
Many riders want to know: who pays medical bills after a motorcycle accident in Michigan?
The answer depends on Michigan’s no-fault “order of priority,” which determines which insurance company is responsible for paying benefits.
In many motorcycle crashes involving a motor vehicle, the priority order may include:
This system controls how Michigan no-fault motorcycle benefits are accessed after a crash.
The Michigan Court of Appeals recently issued a published decision in Mary Free Bed Rehabilitation Hospital v. Esurance Property and Casualty Insurance Company.
The ruling clarified that when one insurance policy providing medical benefits is exhausted, an injured motorcyclist may be able to pursue additional coverage from another available policy in the priority order.
This decision could significantly affect how Michigan motorcycle medical coverage works when multiple insurance policies are involved.
For years, injured riders were vulnerable when the driver who hit them carried minimal insurance coverage.
This new ruling may allow injured motorcyclists to access additional coverage in certain situations.
However, the legal rules surrounding Michigan motorcycle law and insurance priority can be complicated.
Attorney Jason Waechter provides a full explanation of this court decision and what it means for injured riders.
Read the full Michigan motorcycle law update and court decision analysis →
If you have questions about Michigan no-fault motorcycle benefits or who is responsible for paying medical bills after a crash, contact our office for a free consultation.
A recent Michigan Court of Appeals decision may affect how insurance coverage is applied when motorcyclists are injured in crashes involving cars.
Under Michigan’s no-fault system, the insurance company responsible for medical bills is determined by the order of priority defined in state law.
In certain situations, the Michigan Court of Appeals decision suggests that additional insurance coverage may be available when the first policy providing benefits is exhausted.
If you were injured in a motorcycle crash and have questions about Michigan motorcycle medical coverage or Michigan no-fault motorcycle benefits, our office can help you understand your legal options.
Attorney Jason Waechter, The Motorcycle Lawyer®, has spent decades representing injured motorcyclists and fighting insurance companies.
Contact our office for a free consultation and case strategy session.
Results may vary depending on your particular facts and legal circumstances.
Provide a few simple details about your injury and our team will take it from there.
