Michigan Auto Insurance Requirements

Each state has different laws when it comes to accidents and insurance. You will need to know those laws in order to comply with them fully to avoid penalties, fines, and fees. If you live, or are planning to move into the state of Michigan you will need to know that you must obtain insurance that is issued within the state. This insurance company must provide you with at least the minimum liability insurance as required and set by the state government.

Michigan is a “no-fault” state which means that expenses accrued due to an accident will be paid for no matter who was deemed at fault. You must obtain personal injury protection. The state has no set minimum for the amount this type of insurance must cover so it is adjustable to fit your budget. In addition, you must also carry liability insurance with a minimum coverage of $10,000 for property damage and $20,000 for personal injury for one person with a maximum of $40,000 for all injuries.

Both of these type of insurances are in place to protect the insured and their passengers from being hurt without the ability to pay for the medical expenses. If the personal injury protection does not cover all of the expenses then the liability insurance steps in to take care of the rest. There are also other types of coverage policies you can purchase to better protect yourself and your family in the event of an accident.

The more insurance you provide for yourself, the better protected you will be. Most state minimum requirements are only to ensure financial responsibility of all motorists. These laws are set in place to make the driving atmosphere a safer one for everyone involved. The more protection you provide for yourself the less likely you are to be sued under special circumstances as set by the state of Michigan.