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 get coverage for most car-accident injuries from their own personal injury protection (PIP) insurance, without the need to determine who caused the accident. One way that car insurance in Michigan is unique is that policies must include property protection insurance (PPI). PPI covers damage to fences, buildings, parked cars, and other property (except for moving vehicles) within the state of Michigan only.
Required Car Insurance in Michigan
... read full answerHow much car insurance do I need in Michigan?
Drivers in Michigan need $50,000 of bodily injury liability insurance per person (up to $100,000 per accident) and $10,000 of property damage liability insurance. Michigan also requires personal injury protection (PIP) insurance. PIP covers medical expenses for you and your passengers after an accident.
Here’s How Much Car Insurance Drivers Need in Michigan:
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability Coverage (per person) | ... |
Is personal injury protection required in Michigan?
Yes, personal injury protection (PIP) is required in Michigan. Drivers in Michigan are usually required to have at least $250,000 of PIP coverage for medical expenses, though there are some exceptions for drivers with Medicare or Medicaid.
For instance, policyholders with Medicare Parts A and B can opt out of PIP insurance if the other members of their household have their own auto insurance or health insurance that covers auto accidents. Similarly, drivers with...
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