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Yes, personal injury protection (PIP) is required in Michigan. Drivers in Michigan are required to have at least $50,000 in PIP if you didn't opt out to cover medical expenses for themselves and their passengers in the event of an accident, since Michigan is a no-fault state.
PIP Insurance in Michigan
| PIP required? | Yes, PIP is required (drivers who receive Medicare can opt out) |
| Minimum PIP coverage | At least $50,000 in PIP insurance |
| Annual cost of insurance | $2,197 per year |
| State accident laws | No-fault |
| National cost ranking (1=most expensive) | 49 |
Personal injury protection helps ensure that everyone on the road in Michigan has some financial assistance for medical payments in the event of a collision. Drivers in almost all no-fault states are required to have it because they are restricted in terms of when they can sue another driver for compensation after an accident. That means PIP coverage is their first line of defense if they face hospital bills or a long recovery from an injury.
To learn more, check out WalletHub's complete guide to personal injury protection.
People also ask
What 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 WriterIs Michigan a no-fault state?
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...
read full answer by Delaney Simchuk, Car Insurance WriterHow does PIP insurance work?
PIP insurance works by compensating drivers up to a given limit for medical bills, rehabilitation costs, funeral costs, lost wages, and other car accident costs. PIP insurance is meant to simplify claims by requiring drivers involved in an accident to file with their own insurer, instead of establishing fault in court.
Examples of How PIP Insurance Works
New York: PIP is required in New York, and drivers must have at least $50,000 in...
read full answer by Leif Olson, Car Insurance WriterDid we answer your question?
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