Michigan Car Insurance Quotes

In Michigan, the minimum state requirements are $20,000 per injured person up to $40,000 in total per accident and $10,000 in property damage liability. The state of Michigan also follows a no-fault system. A no fault auto insurance system requires both drivers to have insurance for their own protection and sets limits on the suing for damages.  If there is an accident, each driver will be covered by their own insurance company, no matter who was at fault.  In a completely pure no fault auto insurance system, a driver would be completely covered by their policy and would not be allowed to sue another driver at all.  All states do not use a pure system, they blend the no fault system with the standard liability system by allowing lawsuits in some cases.  The no fault part of the policy is called personal injury protection (PIP) and in general will cover injury-related costs such as medical expenses, loss of income, funeral expenses and death benefits. The PIP type and amount is defined by the state and because no state is purely no fault, you can still be financially responsible in certain severe injury circumstances.  The state law in Michigan requires the personal injury protection to cover medical and work loss expenses.  In Michigan there is no cap on medical insurance coverage and can either be the primary or coordinated with your health insurance.  The Michigan auto insurance company will also pay a percentage of your income if you are unable to work due to injuries.  There is also mini-tort coverage in Michigan which means you can go back to the other driver for up to $500 if they are more than 50% at fault for damages to your car.