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What should I do if I'm an out-of-state driver and I'm in an accident in a no-fault state like Michigan?
I'm from Ohio and traveled to Michigan. Another driver hit me and is at fault. I filed a third-party claim with their insurance company, but they told me they were liable for no medical bills and only $1,000 for property damage. What now?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Michigan traffic law
states that your medical bills will be covered through personal injury protection (PIP)
, which is a requirement in no-fault states
. Your out-of-state insurance policy most likely includes a “broadening clause,” so if your policy doesn’t have coverage that’s required by Michigan
, your policy will rise to Michigan’s minimum.If, for some reason, your policy doesn’t include a broadening clause, you might need to hire a lawyer to fight your case. You could also take the $1,000, and pay the rest of the damages out of pocket. Keep in mind that according to
Michigan’s car accident laws
, you’re required to file a claim if the damages are over $1,000. Pro tip: You’re required to report any accident to your auto insurance. Call your agent and explain what happened. Yourcar insuranceprovider should handle your no-fault issue without incident.
View full answer
- Gregory R.
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