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Farmers wins appeal against medical providers in uninsured car dispute
Michigan's Court of Appeals ruled the providers had no route to PIP benefits because the injured man was deemed an uninsured car owner under the state's no-fault law.
Farmers Insurance Exchange won an appellate decision shielding it from paying two medical providers that treated a crash victim driving an uninsured car, ending the providers' claims in Michigan.
In a ruling dated August 5, 2026, Michigan's Court of Appeals affirmed summary disposition for Farmers in a dispute involving Labser PLC and Northland Radiology tied to a May 2023 collision.
The court said Farmers was not required to pay for treatment because the no-fault act disqualified the injured man from personal protection insurance, citing Michigan's definition of an owner as someone having use of a motor vehicle for more than 30 days.
While the providers argued they had a direct right to sue under the no-fault act, the court found that direct-action right only extends to treatment for accidental bodily injury covered by PIP, and there was no PIP coverage because the man effectively owned an uninsured vehicle.