Michigan (MI)

Approved Carriers

Notes about state

• Cincinnati

• Safeco

• Travelers

• Vault

Michigan Car Insurance Coverage

The state minimum requirements for car insurance in Michigan are:

Bodily injury liability coverage

$250,000 per person/$500,000 per accident (If a Michigan option form is completed it can drop to as low as $50,000 per person/$100,000 per accident.)

Property damage liability coverage

$10,000

Uninsured motorist bodily injury coverage*

$50,000 per person and $100,000 per accident

Property protection

$1 million

Personal Injury Protection* Limits

Option 1: Unlimited

Option 2: 500K

Option 3: 250K

Option 4: 250K with exclusions - must have qualified health insurance

Option 5: 50K - insured must be enrolled in Medicaid

Option 6: No PIP Med - insured must have Medicare A & B

*These coverages can be rejected in writing.

Michigan Auto Insurance Requirements

In Michigan, drivers are required to maintain both property protection insurance (PPI) and personal injury protection (PIP) as part of their auto insurance coverage.

PPI covers damages to someone else's property caused by an accident involving your vehicle, with a mandated minimum limit of $1 million per accident.

PIP covers expenses resulting from an accident, including medical bills, lost wages, and death benefits, regardless of fault.

Michigan recently revised its no-fault law. This update aims to give drivers more control over their insurance plans while maintaining essential protections for individuals involved in auto accidents throughout the state.

In addition to PPI and PIP, Michigan drivers must also carry bodily injury liability insurance to cover injuries or death that you, as the policyholder, cause to others in a car accident as well as any related legal fees.

Michigan law also requires drivers to purchase uninsured and underinsured motorist coverage (UI/UIM) to protect you and your passengers in the event of an accident caused by an uninsured or underinsured driver. This coverage helps bridge the gap between the other driver's insurance limits and the actual costs of medical bills, lost wages, and other damages resulting from the accident.

Michigan’s Mini-tort Law

Michigan's mini-tort law allows drivers to seek compensation for vehicle damage up to a certain limit after an accident. Under this law, drivers not at fault in an accident can file a mini-tort claim against the at-fault driver to recover damages for vehicle repairs or replacement, up to a maximum of $3,000.

This provision is particularly beneficial for drivers with collision coverage with a deductible higher than the mini-tort limit, as it provides an avenue to recover some out-of-pocket expenses associated with vehicle damage. However, it’s important to note that this law does not cover damages beyond vehicle repairs or replacement costs, such as medical expenses.