Complying With Michigan Automotive Requirements

Michigan no-fault law

Many states have special regulations concerning automobile operations by licensed drivers. In Michigan, every individual that purchases a car must comply with Michigan no-fault law and buy certain basic coverage before the DMV will issue license plates. It is against the law to drive without this coverage, but it also protects you financially.

Accident Blame

There are some accident scenes where it is difficult to pinpoint who was at fault for the wreck. With no-fault insurance, the policy covers the situation regardless of who caused the accident. The policy will assist with medical expenses, lost wages, replacement services, and damage that may be done to another property. The coverage won’t pay for repairs to your car.

Three Parts to the Policy

The law requires that you have three separate parts to your policy.

  1. Personal Injury Protection. This pays all reasonable and necessary medical expenses without a coverage limit. It also covers up to 85% of any lost income.
  2. Property Protection. This portion pays for up to $1 million in damages that your car may cause to another property.
  3. Residual Liability Insurance. This is an additional coverage against lawsuits claiming bodily injury, death, disfigurement, or property damage.

An insurance broker familiar with Michigan law will be able to evaluate your coverage needs and underwrite a policy that keeps you compliant with the no-fault law.