Detailed answer — step-by-step guidance

1. Understand what MedPay covers and how it relates to Michigan’s no-fault (PIP) system

Most auto policies offer optional medical payments coverage (MedPay) that pays reasonable medical expenses after a covered crash, regardless of fault. Michigan, however, has a mandatory no-fault PIP system that provides first-dollar benefits for medical expenses caused by a motor vehicle accident. For the statutory framework governing PIP benefits, see Michigan Compiled Laws, Chapter 500, sections on no-fault benefits (for example, MCL 500.3101 and MCL 500.3105): MCL 500.3101 and MCL 500.3105.

Key takeaways:

• PIP is generally the primary coverage for auto-related injuries in Michigan.
• MedPay can still be useful: it may cover immediate out-of-pocket costs, copayments, deductibles, or expenses not covered by PIP depending on your policy language.
• Policy terms control how MedPay coordinates with PIP and other benefits; always read your declarations and coverage forms.

2. Immediate practical steps after an accident or injury

1. Get medical attention right away. Tell the treating provider the injury is from a motor vehicle crash and give them your insurer’s information.
2. Notify your auto insurer as soon as possible. Most policies require prompt notice to preserve coverage. Ask for a claim number and the name of the adjuster.
3. Preserve evidence: keep police reports, photos, medical records, itemized bills, receipts for travel to appointments, and any wage-loss documentation.

3. Filing a MedPay claim — documents to submit

When you file, insurers typically ask for:

• A completed claim form (the insurer should provide one)
• Itemized medical bills and provider statements linking treatment to the crash
• Medical records supporting the treatment and diagnosis
• Proof of payment (receipts) for out-of-pocket expenses you want reimbursed
• Policy number, driver information, and accident report (if applicable)

4. How payment and coordination commonly work

Because Michigan requires PIP, your insurer will evaluate whether PIP applies and whether MedPay fills gaps. Typical scenarios:

• If PIP covers the expense, MedPay may not duplicate that payment unless your policy allows secondary payments for co-pays or deductibles.
• If you lack PIP coverage (rare, since PIP is mandatory) or if the expense is outside PIP scope, MedPay can be the primary source for eligible medical expenses.
• Insurers often seek subrogation or reimbursement if another party (or another insurer) later pays for the same medical expense. Your policy explains subrogation rights.

5. If the insurer denies or delays your MedPay claim

1. Request a written denial or explanation of benefits. Insurers must tell you why they denied or reduced payment.
2. Review the denial for missing documentation or coverage exclusions. Often providing a clearer medical nexus or billing details resolves denials.
3. If you remain unsatisfied, ask for an internal appeal or supervisor review. Keep records of all communications.
4. You may file a complaint with the Michigan Department of Insurance and Financial Services (DIFS) if you believe the insurer acted unfairly. DIFS provides consumer help with auto-insurance disputes.
5. If significant benefits are denied and you believe the denial violates your policy or the law, consult an attorney experienced in Michigan auto-insurance or no-fault claims to discuss legal options.

6. Timing and statute considerations

Follow your policy’s deadlines for notice and proof of loss. For no-fault/PIP claims, Michigan law contains statutory provisions about benefits and procedures—see the PIP sections referenced above for the statutory framework. If you are considering litigation over denied benefits, consult counsel promptly; statutes of limitation and procedural deadlines can apply.

7. When to talk to an attorney

Consider getting legal advice if:

• Your insurer wrongfully denies large medical bills or wage-loss claims.
• There is a dispute over whether expenses are related to the crash.
• You face complex subrogation or third-party recovery issues.

An attorney can explain whether a lawsuit makes sense given Michigan’s no-fault law and your policy terms.

Helpful Hints

• Read your auto policy’s declarations and MedPay endorsement carefully—coverage limits, deductibles, and conditions vary by insurer.
• Document everything: dates, provider names, bills, receipts, and written communications with insurers.
• If providers resist treating without immediate payment, ask about billing the insurer directly or using MedPay for reimbursement.
• Keep copies of medical records showing the injury was caused by the crash—insurers need medical nexus to pay.
• Ask your adjuster how MedPay interacts with PIP in your specific policy so you know what to expect.
• If the other driver is at fault and you expect a third-party settlement, tell both insurers; subrogation rules may affect who pays first and who gets repaid.
• For consumer help or to file a complaint about an insurer, contact Michigan’s Department of Insurance and Financial Services (DIFS).