Usually Michigan no-fault PIP pays your sister's future medical care first, and that answer matters because the adjuster is about to ask, "Which policy is first in priority?"

For a rideshare passenger in Warren, the first place to look is usually her own auto policy. If she has none, then a spouse's policy, then a relative she lives with. If none of those apply, the next likely source is the insurer for the Uber vehicle's owner or registrant. If there is still no available coverage, a claim may go through the Michigan Assigned Claims Plan, but that can mean tighter limits and more fighting about who should pay.

The long-term issue is not just today's ER bill. It is whether the available PIP medical benefits are unlimited or capped. Since Michigan changed its no-fault law, many policies have medical limits. If her ankle fracture or ligament injury needs later surgery, hardware removal, pain management, rehab, or mileage reimbursement for treatment in Macomb County or Detroit, those costs can add up fast. If the claim lands in the Assigned Claims Plan, the medical cap is generally $250,000.

Wage loss is separate. PIP can pay a percentage of lost income for up to 3 years, subject to a monthly maximum that changes each year. If her injuries affect her job beyond that, the claim for long-term earning loss usually shifts to a third-party case against the at-fault driver, but only if she meets Michigan's injury threshold, usually serious impairment of body function.

Expect insurers to look hard at prior injuries, work restrictions, and whether road work on I-75 or a lane shift near a construction zone caused the crash. The cleaner the medical record on future treatment needs, the harder it is for them to shrug and say she should be fine by now.