Sec. 3121.
(1) Under property protection insurance an insurer is liable to pay benefits for accidental damage to tangible property arising out of the ownership, operation, maintenance, or use of a motor vehicle as a motor vehicle subject to the provisions of this section and sections 3123, 3125, and 3127. However, accidental damage to tangible property does not include accidental damage to tangible property, other than the insured motor vehicle, that occurs within the course of a business of repairing, servicing, or otherwise maintaining motor vehicles.
(2) Property protection insurance benefits are due under the conditions stated in this chapter without regard to fault.
(3) Damage to tangible property consists of physical injury to or destruction of the property and loss of use of the property so injured or destroyed.
(4) Damage to tangible property is accidental, as to a person claiming property protection insurance benefits, unless it is suffered or caused intentionally by the claimant. Even though a person knows that damage to tangible property is substantially certain to be caused by his or her act or omission, he or she does not cause or suffer such damage intentionally if he or she acts or refrains from acting for the purpose of averting injury to any person, including himself or herself, or for the purpose of averting damage to tangible property.
(5) Property protection insurance benefits consist of the lesser of reasonable repair costs or replacement costs less depreciation and, if applicable, the value of loss of use. However, property protection insurance benefits paid under 1 policy for damage to all tangible property arising from 1 accident shall not exceed $1,000,000.00.
History: Add. 1972, Act 294, Eff. Mar. 30, 1973 ;-- Am. 1993, Act 290, Imd. Eff. Dec. 28, 1993 Popular Name: Act 218Popular Name: Essential InsurancePopular Name: No-Fault Insurance
Structure Michigan Compiled Laws
Chapter 500 - Insurance Code of 1956
Act 218 of 1956 - The Insurance Code of 1956 (500.100 - 500.8302)
218-1956-31 - Chapter 31 Motor Vehicle Personal and Property Protection (500.3101...500.3179)
Section 500.3101b - Repealed. 2011, Act 91, Imd. Eff. July 15, 2011.
Section 500.3101c - Standard Certified Statement.
Section 500.3101d - Qualification as Self-Insurer; Certificate; Issuance; Cancellation.
Section 500.3107 - Expenses and Work Loss for Which Personal Protection Insurance Benefits Payable.
Section 500.3107a - Basis of Work Loss for Certain Injured Persons.
Section 500.3107b - Reimbursement or Coverage for Certain Expenses Not Required.
Section 500.3108 - Survivor's Loss; Benefits.
Section 500.3113 - Person Not Entitled to Personal Protection Insurance Benefits.
Section 500.3116 - Value of Claim in Tort; Subtraction From or Reimbursement for Benefits.
Section 500.3121 - Liability for Accidental Damage to Tangible Property.
Section 500.3123 - Exclusions From Property Protection Insurance Benefits.
Section 500.3125 - Priorities in Claiming Property Protection Benefits.
Section 500.3131 - Residual Liability Insurance; Coverage.
Section 500.3141 - Notice of Accident.
Section 500.3143 - Assignment of Right to Future Benefits Void.
Section 500.3146 - Limitation of Action by Insurer for Recovery or Indemnity.
Section 500.3148 - Attorney's Fee; Restrictions.
Section 500.3151 - Submission to Mental or Physical Examination; Physician Requirements.
Section 500.3152 - Report of Mental or Physical Examination.
Section 500.3153 - Court Orders as to Noncompliance With MCL 500.3151 and 500.3152.
Section 500.3158 - Statement of Earnings; Report and Records From Medical Institution.
Section 500.3173 - Certain Persons Disqualified From Receiving Benefits Under Assigned Claims Plans.
Section 500.3176 - Taking Costs Into Account in Making and Regulating Rates.