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Understanding Michigan car insurance laws is key to ensuring that you are meeting the requirements and are legally permitted to drive within the state. ... This is because Michigan is a no-fault ...
The effects of the 2019 no-fault overhaul are showing up in nationwide reports on auto insurance prices. Surveys by Insure.com show that from 2019 to 2024, Michigan went from being the No. 1 most ...
Drivers who do not carry car insurance cannot take advantage of Michigan’s mini-tort law, which would allow them to recoup up to $3,000 from the at-fault driver to cover vehicle damage.
In 2019, the Michigan Legislature changed the state’s no-fault auto insurance law so that drivers will no longer be required to purchase unlimited medical coverage. [12] Instead, under the PIP Choice system that was enacted, drivers have the choice of selecting medical coverage with limits of $50,000 (for drivers on Medicaid), $250,000 ...
Personal injury protection (PIP) is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as "no-fault" coverage, because the statutes enacting it are generally known as no-fault laws, and PIP is designed to be paid without regard ...
Michigan policyholders will need to select one of the six PIP medical coverage options that offer them the coverage they need at the best price. Option 1: Unlimited coverage. Option 2: Up to ...