Learn About Michigan Automobile Insurance Laws

Michigan no fault state means every driver has to carry two no fault policies, one for personal injury protection and the other for property protection insurance as well as uninsured motorist coverage.  You can get multiple auto insurance quotes on line to save you money.

Personal injury protection in Michigan covers all medical expenses and up to three years compensation for lost wages.  You might be able to save some money by coordinating your personal injury protection with your health insurance plan or by applying the deductible against one or the other.

The personal property coverage in Michigan covers up to one million dollars.  There are no variations in coverage all citizens carry the same insurance for property. 

The minimum liability in Michigan is 20/40/10 that translates to $20,000 per person for injuries you cause to another, to a total of $40,000 for all, and $10,000 for property damage to the other person. 

Normally no fault laws in Michigan do not allow for a driver to be sued as a result of an accident.  However there are some exceptions.  If the accident occurs outside of Michigan a law suit is possible.  If the accident is in Michigan but results in serious injury or a fatality the driver can be held liable for damages.  That’s where your liability insurance comes into play.  Although the legal requirements are minimal it is recommended you carry satisfactory liability insurance to ensure you are not financially ruined in the event of a serious accident.

You can also purchase optional collision, comprehensive, uninsured, and underinsured motorist bodily injury coverage.

The rates for Michigan drivers is set by the behavior of the entire states drivers as a whole.  The cost of providing insurance to Michigan drivers is divided among all drivers.  This includes the cost of settlements and legal fees. 

However, that doesn’t mean they are spread evenly.  If you have a poor driving record or traffic violations you will pay more.  Your age, where you live, what type of vehicle you have, and how far you drive will also play a role in determining your insurance rates.

Each insurance company calculates the percentage differently so it really does pay to shop around and see who can give you the best rates.  All insurance companies are not created equal.

A quick search online will allow you to get online insurance quotes so you can make the right decision.  So why wait, why not start saving right now by getting cheap insurance online?  Get Competitive Insurance Rates!