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Understanding Michigan’s No-Fault Auto Insurance Laws

A Simple Guide for Michigan Drivers

If you live in Michigan and drive a car, you’ve probably heard of “no-fault insurance.” But what does that really mean — and how does it affect your coverage?

Here’s a simple breakdown of Michigan’s No-Fault laws, how they work, and what kind of insurance coverage you’re required to have.

🚗 What Is No-Fault Insurance?

“No-fault” means that if you’re injured in a car accident in Michigan, your own auto insurance pays for your medical expenses and other benefits, no matter who caused the accident.

So even if someone else caused the crash, you file a claim with your own insurance company — not the other driver’s.

✅ What Insurance Coverage Is Required in Michigan?

Michigan law requires drivers to carry three main types of auto insurance:

1. Personal Injury Protection (PIP)

  • Pays for medical expenses, lost wages, replacement services, and funeral costs.
  • As of the 2019 reform, you can choose your PIP coverage limit:
    • Unlimited coverage
    • $500,000
    • $250,000
    • $50,000 (if on Medicaid)
    • Opt-out (if you have qualifying health coverage)
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