Going to the Olympics? What happens if you’re injured in a car accident out of the state or out of the country?

What happens if I’m injured in a car accident outside of Michigan?

The Winter Olympics came to a close on February 20, 2022.  If you watched the Olympics, it was probably from the comfort of your home, as the pandemic has impacted people’s ability to travel.  So what happens if you do travel and are injured in a car accident?  What happens if you’re injured in the United States but not in Michigan?  What happens if you’re injured outside of the United States?

Car accident injuries out of state

If you are a Michigan resident with Michigan no-fault insurance, you can typically recover PIP benefits even if you are injured in an accident outside of Michigan.  If you are in a taxi, Uber, Lyft, or other car not your own, there could be an exception that applies.  If you are in an accident outside of Michigan, you might be able to recover no-fault benefits if you are:

  • A named insured on an auto policy
  • A spouse of a named insured on an auto policy
  • A relative domiciled with a named insured on an auto no-fault policy
  • An occupant of a car insured with a no-fault policy if you are Michigan resident or the owner or registrant of the car was insured under an auto policy

Fran Murphy Law PLC is available to answer your questions regarding out-of-state accidents.

Car accident injuries out of the country

Michigan no-fault insurance typically covers accidental injuries from a car accident if the accident happened in the United States, its territorries, or Canada.  Other than these places, your no-fault insurance policy will not cover you for accidental bodily injury.  If you do travel out of the country, make sure you buy insurance to cover you for injuries in case there’s an accident.

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