Yes. Understanding the types of insurance coverage that may apply to your case is helpful. First, Michigan requires residents to register their vehicles and to carry insurance. Under mandatory no-fault insurance laws, each policy must contain three types of protection:
Besides the required forms of coverage, drivers can opt into additional protection plans. These include:
Even if an auto accident victim was at fault, they may still be able to recover damages. However, Michigan’s comparative negligence law reduces an auto accident victim’s pain and suffering compensation (non-economic damages) and economic damages by the amount that the victim was at fault. If the injured person was “more than 50% or more at fault for the auto accident, ” the victim cannot recover any pain and suffering compensation (non-economic loss). But the victim would still be able to collect economic loss that would then be reduced by the amount they were at fault.
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