• Is Michigan a no-fault insurance state?

Yes, Michigan is a no-fault insurance state. All parties involved in an accident can receive compensation from their insurance companies, regardless of fault, and state law requires all drivers to have no-fault insurance.

The no-fault insurance policy has three parts: Personal Injury Protection (PIP), Property Protection Insurance (PPI), and Residual Liability Insurance. Personal Injury Protection covers the injuries and damages of the insured, regardless of who is at-fault in the accident. The person in the car accident files a PIP claim against his or her own insurance company to seek compensation.

Property Protection Insurance provides coverage for damage that an at-fault driver’s vehicle causes to properly parked vehicles or fixed properties such as buildings or lampposts. It does not cover damages to the other vehicle(s) involved in an accident unless parked. Michigan drivers must have PPI to obtain license plates.

Residual Liability Insurance covers bodily injury to the other drivers or passengers of other vehicles who suffer an injury that meets the threshold in a Michigan accident caused at least in part by your negligence. It also covers damages over and above the personal injury protection limits. In an out of state accident, it covers the damages allowable under the laws of that state.

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