{"id":9,"date":"2026-09-29T13:15:39","date_gmt":"2026-09-29T19:15:39","guid":{"rendered":"https:\/\/www.premierriskgroup.com\/blog\/?p=9"},"modified":"2026-09-29T13:15:40","modified_gmt":"2026-09-29T19:15:40","slug":"employee-hurt-in-a-company-vehicle-how-michigan-no-fault-works","status":"publish","type":"post","link":"https:\/\/www.premierriskgroup.com\/blog\/employee-hurt-in-a-company-vehicle-how-michigan-no-fault-works\/","title":{"rendered":"Employee Hurt in a Company Vehicle? How Michigan No-Fault Works"},"content":{"rendered":"

Michigan’s no-fault auto system already works differently than most states. Add workers’ compensation to the picture, and a single question gets complicated fast. When an employee is injured in a crash while driving a company vehicle, which coverage pays first? For Macomb County business owners with even one work truck or van, knowing the order ahead of time prevents confusion when an employee needs help.<\/p>\n

The Order of Operations<\/h2>\n
\n
Step 1: Workers’ compensation generally responds first.<\/strong> Under Michigan’s no-fault law, benefits available through workers’ comp are typically applied before auto benefits when the injury happens on the job.<\/div>\n
Step 2: The employer’s auto policy may fill certain gaps.<\/strong> When an employee is riding in a vehicle owned or registered by the employer, Michigan law generally looks to the employer’s auto insurer for personal injury protection benefits beyond what workers’ comp provides.<\/div>\n
Step 3: Other claims depend on the details.<\/strong> Claims against another driver are shaped by Michigan’s no-fault limits on lawsuits and the specific facts of the crash.<\/div>\n<\/div>\n

Why the Details Matter for Employers<\/h2>\n