In Michigan's no-fault insurance system, each driver pays their own deductible for personal injury protection (PIP). Under the state's no-fault rules, drivers must use their own PIP coverage to pay for basic medical expenses after an accident, regardless of fault.
Michigan’s no-fault insurance system is only applicable to injuries, not property damage. If you file a property damage liability or uninsured motorist claim, you do not have to pay a deductible due to the nature of the coverage involved. However, your ability to collect a settlement from the at-fault driver’s liability insurance may be limited by state law.
Michigan’s modified comparative negligence system means that you can’t receive damages from the other driver if you are more than 50% at-fault for the accident. If that applies, you will have to repair your car using collision insurance, which usually requires a deductible.
You may be able to avoid paying a collision deductible, depending on the type of collision coverage you have and your share of the fault in an accident. In Michigan, drivers can choose between limited, standard, and broad-form collision coverage. Limited and standard collision coverage always require you to pay a deductible, while broad-form only has a deductible when you are more than 50% at-fault for an accident.
To learn more, check out WalletHub’s guide to no-fault insurance.
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