The state of Michigan, as well as other states, has definite requirements in order to lawfully drive a vehicle. As a no-fault state, Michigan requires extra coverage in order to protect every person in an accident, in spite of of fault.
No Fault
The state of Michigan is a no-fault state, meaning that every individual’s insurance company must pay their operating cost, in spite of who is at fault during an accident. Each vehicle must have no-fault insurance coverage.
Michigan Insurance Only
The insurance policy must be issued and released inside the state of Michigan, regardless of whether a person has an insurance policy from another no-fault state. The proof of insurance must constantly be readily obtainable when driving and when renewing the vehicle registration.
Property Damage Liability and Residual Bodily Injury
Property Damage Liability and Residual Bodily Injury is a state requirement to drive lawfully in Michigan. The bare minimum required coverage for each individual is $20,000, and for multiple people the bare minimum is $40,000. $10,000 is the whole coverage amount for property damage in states outside of Michigan.
Personal Injury Protection
Personal Injury Protection is fixed in the state of Michigan, and it covers every medical cost due to bodily injuries sustained or incurred as an effect of an accident. It may also pay for survivor loss benefits, lost wages, and funeral expenses.
Personal Protection Insurance
Persons must be covered in the case that others’ property is damaged. Personal Protection Insurance will cover 1 million dollars in the state of Michigan, in spite of who is at fault.