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Michigan Auto Insurance

Requirements of Motorists under MI State Law

Everyone has an opinion about insurance. Some people believe it is a conspiracy to con hardworking people out of money. You can not imagine how much you need insurance until you something happens that you were not prepared for.

Weather its a car accident, a flu, a fire,or a theft these things happen all the time. You never know if or when something might happen to you. Don't be caught off guard by life's unpredictable events.

There are certain "requirements" that are applicable to each state and varies accordingly. We have attempted to compile all of the relevant information in to this single resource to help visitors know what is expected of them in regards to insurance.

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Michigan Car Insurance Requirements

Coverage Minimum - 20/40/10

Coverage Explanation - Car insurance coverage in Michigan must provide a minimum of $20,000 for injury liability for one person in an accident, $40,000 for all injuries in an accident, and $10,000 for property damage in an accident.

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Important Michigan Auto Insurance Laws!

1. Motorists in the MI state, are required to buy and maintain a "no-fault" insurance policy. It is against Michigan auto insurance law to drive or let your car be driven without no-fault insurance.

Important to Note:

A "no-fault" policy will pay all of your medical costs. It will also pay, up to a maximum amount, for the wages you would have earned if you had not been hurt, for up to three years.

Under Michigan auto insurance law, no-fault will pay up to $1 million for damage your car does in Michigan to other people's property, such as buildings and fences. It will also pay for damage your car does to other people's properly parked vehicles.

The no-fault provision of Michigan auto insurance law protects insured persons from being sued as the result of an auto accident except in certain special situations.


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