Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
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
| Covered | Not Covered |
| Medical expenses | Injuries to other drivers |
| Funeral expenses | Damage to other people's property |
| Lost income | Car repairs |
| Childcare expenses | Injuries from an accident when you were using your car to make money |
| Survivors' loss | Injuries sustained if you were not carrying your state's minimum coverage requirements |
| Household services | Injuries sustained from an accident you caused intentionally |
| Injuries sustained when hit by a car while walking or biking | Injuries unrelated to a car accident |
When a state has a no-fault insurance system, it typically means that drivers file a claim with their own PIP insurance after a car accident regardless of who was at fault. It also means you cannot sue other drivers for your medical expenses unless your injuries are deemed severe.
To learn more, check out WalletHub's guide to no-fault insurance.
People also ask
How does car insurance work in Michigan?
Michigan is a no-fault state, which means drivers use their own PIP coverage for their injuries, regardless of fault. Drivers in Michigan are required to carry at least $50,000 in bodily injury liability insurance per person ($100,000 per accident) and $10,000 in property damage liability insurance. There are restrictions on the right to sue after an accident in no-fault states. In Michigan, you can only sue the at-fault driver if your injuries are permanent
Average Cost of Car Insurance in...
read full answer by Anamarie Waite, Car Insurance WriterHow much car insurance do I need in Michigan?
Michigan law requires you to have $50,000 in coverage for one person’s bodily injury or death ($100,000 per accident) and $10,000 for other people’s property damage when you are at fault. Michigan also requires personal injury protection (PIP) and property protection insurance.
PIP covers medical expenses for you and your passengers after an accident. Property protection insurance pays for damage your car does to another Michigan resident’s property.
How Much Car Insurance Drivers Need in Michigan
... read full answer by Anamarie Waite, Car Insurance WriterIs personal injury protection required in Michigan?
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) |
| ... | At least $50,000 in PIP insurance |
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