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Michigan car insurance laws
Michigan is a no fault state, and every driver must carry two no-fault policies, personal injury protection (PIP) and property protection insurance (PIP), in addition to standard liability coverage.
The PIP package required by Michigan auto insurance laws includes coverage for all medical expenses and up to three years of compensation for lost wages or services. You may be able to earn a premium reduction by co-ordinating PIP with an existing health insurance plan, or by applying a deductible.
The PPI coverage pays for property damage you cause in Michigan up to the sum of one million dollars.
While no fault laws do generally keep a driver from being sued as a result of an accident, there are exceptions. If the accident occurred outside of Michigan or resulted in serious injury or death, the driver may be liable for damages. Liability insurance helps cover these situations (and is also required by Michigan auto insurance laws).
Michigan's liability insurance minimums are 20/40/10. (That's $20,000 per person for injuries you cause to the other party, up to $40,000 for all, and $10,000 for damage you cause to the other party's property in another state.)
Michigan auto insurance companies will also offer optional collision, comprehensive, and uninsured and underinsured motorists bodily injury coverages.
How Michigan auto insurance rates are set
The price of Michigan auto insurance is decided by the behavior of the state's drivers as a whole. Michigan auto insurance companies take the cost of providing insurance for Michigan drivers (this includes settlements and legal fees) and divide it up among the drivers.
But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.
Of course, not all auto insurance providers figure their percentages the same way. This means that they will charge different rates on the same driver.
What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an Michigan auto insurance policy.
Fortunately,shopping around is easy to do online because you'll be able to get several competing quotes.
Where to get Michigan auto insurance quotes.
The following web sites will help you find Michigan car insurance quotes: (these links will open in a new window)
ComparisonMarket the best online insurance shopping service. Really. This is where you'll save four hundred bucks.
This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.