When it comes to no fault insurance benefits, this modified comparative negligence rule doesn’t apply in Michigan because they are paid regardless of who caused the auto or truck accident. In other words, even if a person is completely responsible for causing an accident, this fact will not affect their ability to claim no fault PIP compensation. Basically, the modified comparative negligence law mostly comes into play when car damage, extra medical bills, and extra lost wages benefits aren’t covered by the no fault insurance benefits.