Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
Yes, Michigan is a no-fault state for car insurance. The no-fault system requires Michigan drivers to carry personal injury protection (PIP) insurance to pay for their own medical expenses after an accident, as well as property protection insurance to pay for any damage their cars do to others' property. Drivers in Michigan also have limitations on their right to sue others for their medical expenses after an accident.
In addition to no-fault insurance, drivers in Michigan are required to carry at least $50,000 per person ($100,000 per accident) in bodily injury liability insurance, as well as $10,000 in property damage liability insurance.
Key Things to Know About No-Fault Insurance in Michigan
- Michigan drivers generally need to purchase at least $250,000 in PIP insurance.
- Drivers may opt out of mandatory PIP insurance if the named insured has Medicare Parts A and B and any spouse or relatives that live with them have health insurance or are covered under another auto policy with PIP medical coverage.
- Michigan drivers must carry $1 million in property protection insurance.
- Michigan drivers can only sue for accident-related damages if the incident was in another state or if the driver who caused the collision was not a Michigan resident and their car was not registered in Michigan. Michigan drivers also have the right to sue for damages if the accident was in Michigan and resulted in death, serious injury, or permanent disfigurement.
To protect themselves and their passengers in the event of an accident, Michigan drivers should carefully select their car insurance policies and purchase the proper PIP insurance limits.
To learn more, check out WalletHub's guides to no-fault insurance and the best car insurance in Michigan.
People also ask
What does no-fault insurance cover in Michigan?
No-fault insurance in Michigan covers your medical bills and related expenses if you are injured in a car accident, regardless of who was at fault. The no-fault insurance system in Michigan requires drivers to carry personal injury protection (PIP) to pay for expenses such as medical bills, lost wages, or funeral costs. In Michigan, you are required to carry at least $250,000 in personal injury protection insurance.
What No-Fault Insurance Covers in Michigan
| ... | Not Covered |
Do I need personal injury protection insurance?
Yes, you need personal injury protection (PIP) insurance if you live in one of the 12 states that require it. You should also get PIP if your health insurance has low coverage limits or if you drive with passengers who could hold you responsible for their medical expenses in the event of an accident. Plus, PIP also covers non-medical costs such as childcare or lost wages.
In addition to the states where PIP is mandatory, there are...
read full answer by Merrill Burchell, Car Insurance WriterWhat states are PIP states?
The 12 states that require PIP insurance, also known as personal injury protection, are Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah. Eleven of these states are “no-fault” states.
In addition, Pennsylvania law requires drivers to purchase $5,000 in medical benefits, but does not mention PIP specifically. PIP coverage is also available, but optional, in seven additional states, plus the District of Columbia.
PIP States
... read full answer by Merrill Burchell, Car Insurance WriterDid we answer your question?
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