With the exclusion of ORVs from the definition of motor vehicles through 2008 PA 241, ORV drivers and occupants will not be entitled to no-fault benefits for losses based on a single ORV accident or based on an accident in which two ORVs strike one another unless the ORV is licensed and has no-fault coverage under MCL 500.3101(1) or motorcycle coverage under MCL 500.3103. If an unlicensed and uninsured ORV is involved in an accident with a motor vehicle, the operator and occupants will be entitled to no-fault benefits in the same manner as a pedestrian, as a nonoccupant of the motor vehicle
The change in this law greatly affects those injured in ATV accidents. Prior to the change in the law, those accident victims could claim No-Fault insurance benefits which include medical expenses, lost wages, attendant care benefits, and other benefits. For questions about a specific ATV accident, you should contact a lawyer at our office immediately.