As you have learned this past month through my blogs, no-fault benefits may be payable in circumstances where you may not have thought they would be because the injury was not caused by a typical motor vehicle crash. However the injury DID involve a motor vehicle.

 We know that in order for Michigan No Fault benefits to be payable you need to ask the following question: Was there an accidental injury that arose out of the ownership, operation, use or maintenance of the motor vehicle as a motor vehicle?  If the answer is yes, then the Michigan motor vehicle injured victim may be entitled to no fault benefits.

Here is an example of an unusual circumstance where benefits may still be payable:

Loading & Unloading:

• A man loading or unloading a motor vehicle usually is entitled to PIP.
• If patient is loading a heavy bag of salt in his trunk and injures his back, he may be entitled to PIP.
• Man stacking boxes in back of a truck when a pallet falls on his head is entitled to PIP.
• Camper ladder collapses as man carries heavy cooler to roof. Entitled to PIP.