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Is Michigan an at-fault state?
I work for Ford, and they’re transferring me to their head office just outside of Detroit. I’m stoked about the move, but embarrassingly, I don’t know much about car insurance laws in the state. Is Michigan an at-fault state or a no-fault state?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Michigan
is not an at-fault state—it’s a no-fault state
, and one of only 12 states in the country that follows this type of law. To drive in Michigan, you’re legally required to have
personal injury protection coverage
, which pays for your own medical bills in an accident. This is in contrast to an at-fault state, where the at-fault party must compensate the other motorist for their medical bills.As a no-fault state, Michigan also requires
property protection insurance
, which covers you for up to $1 million in damages to other people’s property. The other minimum insurance requirements
for the state include:- $100,000 per accident in bodily injury liability coverage
- $10,000 per accident inproperty damage liability
View full answer
- Gregory R.
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