An at-fault accident in Michigan is a car accident caused by a negligent or careless driver. Even though Michigan is a no-fault state, fault is still determined for property damage (while personal injury claims are filed with each driver’s own insurance company, regardless of who is responsible).
Every no-fault state has different minimum coverage requirements. In Michigan, you are legally required to have at least $10,000 of personal injury protection ($50,000 for some Medicaid enrollees) for your own injuries, as well as $10,000 in property damage insurance.
How Michigan Determines Negligence
States assign fault based on slightly different definitions of negligence. Michigan uses modified comparative negligence, meaning that drivers do not recoup accident-related costs if they are more than 50% at fault for an accident.
For example, if you are 52% responsible for an accident, you would not receive any payment because you would be over the 50% threshold.
To learn more, check out WalletHub’s guide to at-fault accidents.
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