Levin, J.
Everleanna Williams, the plaintiff, was a passenger in an automobile driven by Eddie Lee Garnett when it struck a railroad viaduct and he was killed. Williams commenced this action in circuit court against the administrator of Garnett’s estate, Steven A. Grossman, and others,1 within the three-year limitational period, but over two years after an order had been entered in the probate court closing the estate. No notice of the hearing on claims or of the pendency of probate proceedings had been given to Williams other than such as is provided by newspaper publication.
[77]*77The circuit judge granted Grossman’s motion for accelerated judgment on the ground that Williams had failed to file a claim in the probate estate or to commence this action before the estate was closed.2 The Court of Appeals affirmed.
We granted leave to appeal to consider whether a person having a cause of action for negligence against a decedent is entitled to notice, in addition to whatever notice is provided by newspaper publication, of the time for filing and the hearing on claims against the decedent’s estate.
We subsequently asked the parties to file supplemental briefs on "[w]hether In re Curzenski Estate, 384 Mich 334 [183 NW2d 220] (1971), should: (a) be overruled and, if so, (b) whether there is any need to reach and decide the issue of whether probate court notice procedures are constitutionally [adequate]”. In that case this Court declared that an action cannot be commenced directly against the personal representative of an estate after it has been closed.
We overrule In re Curzenski Estate. Although the probate of an estate has been completed and the estate closed, where a person has an action which by statute may be commenced directly against the personal representative of the decedent without first filing a claim against his probate estate,3 the administration of the estate is "incomplete” within the meaning of the statute and upon [78]*78petition the estate may be reopened4 to provide a suable person so that the action can be commenced. Because the person having the right of action has not filed a claim in the probate proceeding (or, before it was closed, notice of suit pending), recovery of money damages is limited to sources other than assets of the probate estate theretofore distributed, e.g., to sources such as the estate’s right of indemnification from an insurer or the obligation of the Motor Vehicle Accident Claims Fund5 to compensate victims of uninsured drivers.6
We see no need to decide whether notice should have been given to known creditors7 — the issue on [79]*79which we first granted leave to appeal. All the assets of this probate estate have been distributed to Will Garnett, Jr. Although he was named as a defendant in this action, he has not been served; accordingly, a determination that notice should have been given could not be the basis of a money judgment against him. Nor, considering the state of the law and the practice at the time of the asserted failure to give notice, would such a determination justify a personal judgment against the former fiduciary for failing to give such notice.
I
While a person with a cause of action in negligence against a decedent may file a claim in the probate court, this is rarely, if ever, done.
A statute, which in general bars actions against the personal representative of a decedent, permits commencement of an action for negligence,8 and provides that if the plaintiff files notice of suit pending in the probate court the assignment of property to heirs and payment of most debts shall be deferred until the litigation is concluded.9
[80]*80This Court has held that the statute makes "it optional upon the part of a claimant to file a claim based upon a tort in the probate court or file a tort action in the circuit court”.10
While a person asserting that he has been damaged by a decedent’s negligence may thus submit his claim to the probate court, ordinarily a negligence action is commenced in district, common pleas or circuit court.
The principal source for recovery of judgments rendered in automobile negligence cases is automobile liability insurance, not other assets of the defendant or of his estate. When the defendant dies and his estate is probated, notices of suit pending often, it appears perhaps even ordinarily, are not filed in the probate proceeding. The probate of the estate proceeds apace without regard to any automobile negligence action pending against the decedent or the personal representative of his estate. The estate is fully administered, creditors are paid and assets are distributed to heirs although the negligence action is still pending.
[81]*81A
An action against a decedent is maintained by naming his personal representative as the defendant. If administration has not been sought by a spouse or other family member, a creditor may seek to have an administrator appointed.11
In the instant case, an administrator was appointed on June 22, 1972, and the estate was closed 8-1/2 months later on March 6, 1973, less than one year after the automobile accident on March 19, 1972.
A section of the Probate Code permits reopening an estate for the purpose of administering "after discovered assets or to complete the administration of the same in case said estate was closed without being fully administered by the fiduciary or court * * *: Provided, however, That the failure of a claimant to file a claim against said estate during the original administration thereof shall not be a cause for reopening the same or for the appointment of a successor fiduciary”. (Emphasis supplied.)12
In Kangas v Lefko, 369 Mich 341; 119 NW2d 645 [82]*82(1963), the facts paralleled this case except the estate there had not been "closed”.13 Plaintiff was injured in an automobile accident and the driver of the other automobile was killed. The estate of the driver was fully administered, the final account was approved, the administrator was discharged, but words to the effect that "the estate is closed” were not included in the order. Over four months later,14 the plaintiff sought to have the estate reopened. The motion was granted and a negligence action was commenced. Also, a claim was filed in the estate.
In affirming the denial of a motion to dismiss the action, two justices relied on alternative grounds: (i) a claim was filed with the probate court within 18 months of the time originally fixed for the presentation of claims and before the estate was closed,15 and (ii) the action had been commenced in the circuit court while the estate was still open. Three justices, stating their agreement in the result, said that a negligence action "depends on no claim filed in probate”, id., p 344, and that the only question was whether there was a legally suable defendant and held that there was one because the estate was still open: "the estate has not as yet been closed for want of a probate order of closing.” Id.,
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Levin, J.
Everleanna Williams, the plaintiff, was a passenger in an automobile driven by Eddie Lee Garnett when it struck a railroad viaduct and he was killed. Williams commenced this action in circuit court against the administrator of Garnett’s estate, Steven A. Grossman, and others,1 within the three-year limitational period, but over two years after an order had been entered in the probate court closing the estate. No notice of the hearing on claims or of the pendency of probate proceedings had been given to Williams other than such as is provided by newspaper publication.
[77]*77The circuit judge granted Grossman’s motion for accelerated judgment on the ground that Williams had failed to file a claim in the probate estate or to commence this action before the estate was closed.2 The Court of Appeals affirmed.
We granted leave to appeal to consider whether a person having a cause of action for negligence against a decedent is entitled to notice, in addition to whatever notice is provided by newspaper publication, of the time for filing and the hearing on claims against the decedent’s estate.
We subsequently asked the parties to file supplemental briefs on "[w]hether In re Curzenski Estate, 384 Mich 334 [183 NW2d 220] (1971), should: (a) be overruled and, if so, (b) whether there is any need to reach and decide the issue of whether probate court notice procedures are constitutionally [adequate]”. In that case this Court declared that an action cannot be commenced directly against the personal representative of an estate after it has been closed.
We overrule In re Curzenski Estate. Although the probate of an estate has been completed and the estate closed, where a person has an action which by statute may be commenced directly against the personal representative of the decedent without first filing a claim against his probate estate,3 the administration of the estate is "incomplete” within the meaning of the statute and upon [78]*78petition the estate may be reopened4 to provide a suable person so that the action can be commenced. Because the person having the right of action has not filed a claim in the probate proceeding (or, before it was closed, notice of suit pending), recovery of money damages is limited to sources other than assets of the probate estate theretofore distributed, e.g., to sources such as the estate’s right of indemnification from an insurer or the obligation of the Motor Vehicle Accident Claims Fund5 to compensate victims of uninsured drivers.6
We see no need to decide whether notice should have been given to known creditors7 — the issue on [79]*79which we first granted leave to appeal. All the assets of this probate estate have been distributed to Will Garnett, Jr. Although he was named as a defendant in this action, he has not been served; accordingly, a determination that notice should have been given could not be the basis of a money judgment against him. Nor, considering the state of the law and the practice at the time of the asserted failure to give notice, would such a determination justify a personal judgment against the former fiduciary for failing to give such notice.
I
While a person with a cause of action in negligence against a decedent may file a claim in the probate court, this is rarely, if ever, done.
A statute, which in general bars actions against the personal representative of a decedent, permits commencement of an action for negligence,8 and provides that if the plaintiff files notice of suit pending in the probate court the assignment of property to heirs and payment of most debts shall be deferred until the litigation is concluded.9
[80]*80This Court has held that the statute makes "it optional upon the part of a claimant to file a claim based upon a tort in the probate court or file a tort action in the circuit court”.10
While a person asserting that he has been damaged by a decedent’s negligence may thus submit his claim to the probate court, ordinarily a negligence action is commenced in district, common pleas or circuit court.
The principal source for recovery of judgments rendered in automobile negligence cases is automobile liability insurance, not other assets of the defendant or of his estate. When the defendant dies and his estate is probated, notices of suit pending often, it appears perhaps even ordinarily, are not filed in the probate proceeding. The probate of the estate proceeds apace without regard to any automobile negligence action pending against the decedent or the personal representative of his estate. The estate is fully administered, creditors are paid and assets are distributed to heirs although the negligence action is still pending.
[81]*81A
An action against a decedent is maintained by naming his personal representative as the defendant. If administration has not been sought by a spouse or other family member, a creditor may seek to have an administrator appointed.11
In the instant case, an administrator was appointed on June 22, 1972, and the estate was closed 8-1/2 months later on March 6, 1973, less than one year after the automobile accident on March 19, 1972.
A section of the Probate Code permits reopening an estate for the purpose of administering "after discovered assets or to complete the administration of the same in case said estate was closed without being fully administered by the fiduciary or court * * *: Provided, however, That the failure of a claimant to file a claim against said estate during the original administration thereof shall not be a cause for reopening the same or for the appointment of a successor fiduciary”. (Emphasis supplied.)12
In Kangas v Lefko, 369 Mich 341; 119 NW2d 645 [82]*82(1963), the facts paralleled this case except the estate there had not been "closed”.13 Plaintiff was injured in an automobile accident and the driver of the other automobile was killed. The estate of the driver was fully administered, the final account was approved, the administrator was discharged, but words to the effect that "the estate is closed” were not included in the order. Over four months later,14 the plaintiff sought to have the estate reopened. The motion was granted and a negligence action was commenced. Also, a claim was filed in the estate.
In affirming the denial of a motion to dismiss the action, two justices relied on alternative grounds: (i) a claim was filed with the probate court within 18 months of the time originally fixed for the presentation of claims and before the estate was closed,15 and (ii) the action had been commenced in the circuit court while the estate was still open. Three justices, stating their agreement in the result, said that a negligence action "depends on no claim filed in probate”, id., p 344, and that the only question was whether there was a legally suable defendant and held that there was one because the estate was still open: "the estate has not as yet been closed for want of a probate order of closing.” Id., p 345.16
In In re Curzenski Estate, supra, the estate had been closed. While that case might be distin[83]*83guished on its facts,17 this Court declared that ordinarily18 no action may be commenced in the circuit court against a decedent after the estate is closed.19 The Court said that liability insurance is not an "after discovered asset” and therefore a closed estate may not be reopened on that basis.20
B
We are persuaded that probate and closing of an [84]*84estate should not bar an action that may yet, within the applicable statute of limitation, be commenced directly against the personal representative of the decedent. Just as the failure of heirs to probate a decedent’s estate does not preclude the commencement of an action, neither should the closing of an estate preclude the commencement of an action which otherwise is authorized.
The result reached in Curzenski is not consistent with the provision of the Probate Code authorizing the commencement of actions directly against the decedent’s personal representative. The question before us does not concern the time or procedure for filing claims against the probate estate but, rather, the means of providing a suable defendant for an action which the statute authorizes to be commenced directly against the decedent’s personal representative.
The section of the statute authorizing the reopening of a closed estate provides that the failure of a "claimant” to file a "claim” against the estate during the original administration thereof "shall not be a cause” for reopening it. Williams is not, however, a "claimant” seeking to reopen the estate for the purpose of filing a claim payable out of probate assets, but, rather, seeks its reopening so that she can file an action against the decedent’s personal representative in an attempt to vindicate her right to proceed against him directly with a view to reaching assets other than those of the probate estate.
The statute (see fn 9 for text) provides that an action of ejectment or to recover the possession of real estate and actions of replevin and trespass on the case (negligence) and any other action in which the decedent might have been properly joined with others as a party defendant may be [85]*85commenced directly against the personal representative of the decedent, without requiring the filing of a claim against the decedent’s probate estate.
While it has been said that probate will not ordinarily be granted unless there are "assets of some actual value upon which the proceedings can operate”,21 a decedent’s right to be indemnified under a policy of insurance may be deemed an asset for this purpose.22
A person who has obtained a judgment for negligence may be able to collect it without regard to whether the defendant has "assets” or is financially responsible. Even if he is insolvent or bankrupt,23 his insurer must nevertheless defend the action and pay if a judgment is rendered for plaintiff. Similarly, the Motor Vehicle Accident Claims Fund is obliged to pay if a judgment is rendered against an insolvent uninsured motorist.24
[86]*86A negligence action can thus be maintained although the defendant is a pauper, and a pauper’s estate may be probated solely to create a suable defendant to realize on the pauper’s right of indemnification from his insurer or to enable maintenance of an action against a known uninsured driver with a view to payment by the MVACF.
By reason of Curzenski, however, if a fiduciary has closed the estate of the pauper or of a man of wealth, another plaintiff, perhaps asserting a claim arising out of the same tortious act which prompted probate, cannot maintain an action even though there may be several years left to run in the statute of limitation. The effect of the closing of the estate may, as here, be to shorten the three-year statute of limitation generally applicable to negligence actions25 to less than one year.
A person having a cause of action for negligence may commence an action at any time within the three-year period although the defendant has died and his estate has been fully probated with any assets distributed, as long as it has not been closed, and look to the decedent’s insurer or the MVACF for recovery. If the estate has been "closed”, however, a person with a cause of action may not, because of Curzenski, commence an action and recover from an insurer or the MVACF, although the action is filed within the three-year limitational period and although no recovery is sought from the heirs or other creditors paid with assets of the estate.
The purpose of the non-claim provisions of the Probate Code26 is to facilitate the administration of [87]*87estates, the payment of creditors and the distribution of assets to heirs and legatees. Relieving insurers and the MVACF on a random basis of their obligations does not serve any apparent legislative purpose.
The distinction between decedents whose estates have not been probated at all or whose estates have not been closed, on the one hand, and those whose estates have been probated and closed, on the other, serves no interest of the decedent’s heirs, creditors, personal representative or probate estate or of the probate court. It does not appear that there is any legislative purpose to relieve fortuitously a decedent’s insurer of its contractual obligations or the MVACF of its statutory obligations.
The non-claim provisions are a part of the procedure established for determining claims against the personal representative where payment is sought out of assets which must be probated. That procedure is not mandatory where certain causes of action are asserted and the circumstances are such that any recovery does not depend on assets which must be probated; in such a case the statute permits an action to be maintained directly against the personal representative. The right to proceed in this manner cannot be exercised unless there is a personal representative against whom the suit may be brought. Providing such a personal representative is therefore part of the business of administering an estate. Administration is not complete as long as a person has a cause of action he can yet bring by suing a personal representative.
The Curzenski construction of the statute serves no purpose of the non-claim provision of the Probate Code and frustrates the provision of the stat[88]*88ute authorizing the commencement of actions directly against the decedent’s personal representative.
C
We conclude that the administration of a decedent’s estate is "incomplete”, within the meaning of the statute, to the extent a person may yet commence an action against the decedent’s personal representative under the statute. Upon request of a person asserting a cause of action that may be so maintained, a closed estate shall be reopened so that an action may be commenced against a successor fiduciary.
In the instant case a petition to probate Gar-nett’s estate was filed by Williams within the three-year statute of limitation.27 The petition was denied when it developed that the estate had previously been probated and closed. Because of Curzenski no useful purpose would have been served by filing a petition to reopen the estate. This action against Grossman, the former personal representative of Garnett’s closed estate, and the other defendants was commenced within the three-year limitational period.
In the circumstances of this case, we see nothing to be gained by remanding to the probate court for the appointment of a successor fiduciary. Pursuant to GCR 1963, 865, providing that this Court may "make any order which ought to have been given or made”, we treat Williams’ petition for adminis[89]*89tration as a petition to reopen the decedent’s estate and order Grossman appointed the successor fiduciary, nunc pro tunc, so that there was a suable person. This action was duly and timely commenced when he was served.
II
There is no need to decide in the instant case whether the personal representative of a decedent must give notice by mail to known creditors of the decedent. Even if we were to hold that a tort claimant is entitled to such notice in addition to whatever notice newspaper publication provides and that the estate should not have been closed without such notice, such a determination would not, considering the state of the law and the practice at the time of the asserted failure to give notice, justify a personal judgment against Gross-man for failing to give such notice.
Personal representatives could reasonably rely on the past practice of not giving such notice. Courts generally have held that the Mullane28 doctrine does not apply to probate estates.29 In re [90]*90Fjerstad Estate30 was decided before this estate [91]*91was closed. It has not been the practice of the probate courts to require such notice to be sent.
The only remedy which might be appropriate would be to order that Will Garnett, Jr., who received the assets of the probate estate, reimburse the plaintiff. But Garnett, although named as a defendant, does not appear to have been served31 and therefore any declaration by us on the notice issue would not be binding on him.
Our colleague criticizes our suggesting on our own initiative an alternative basis of disposition and ordering further briefing. We did so to avoid deciding the adequacy of present probate court notice procedures in a case where the claimant cannot recover out of or in respect to the assets of a probate estate.
We reverse and remand to the circuit court for trial. Costs to appellant.
[92]*92Coleman, C.J., and Kavanagh, Williams, Fitzgerald, and Blair Moody, Jr., JJ., concurred with Levin, J.