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Michigan auto insurance has a number of differences from car insurance in other locations in the US. No fault insurance is required by law in Michigan, and comes in three major parts: property protection insurance, personal injury insurance, and residual liability, covering property damage and bodily injury. If you need to register your car in this state, you must buy auto insurance in advance and prove you have coverage. Driving without insurance is against the law.

Policies under Michigan’s no fault insurance provide for reimbursement of medical costs plus lost income from your injury for up to three years. The amount you can receive for this was around four and a half thousand dollars as of 2007. This amount also applies when someone who has died in an accident and who has Michigan auto insurance. His or her family will receive up to that amount every month for three years to make up for the lost income.

If someone is in an accident and his or her injury prevents basic family services from being provided, such as housekeeping, up to twenty dollars per day to hire others to do this for them is also available. You can choose to synchronize your coverage to any existing health or disability policy if you’d like to reduce your premium, as long as it’s not a Medicare or Medicaid policy (these cannot be synchronized). That makes the synchronized policy the primary payer, and the your Michigan auto insurance is responsible for covering what’s left.

If you use Michigan no fault insurance, the policy will pay up to one million dollars for damage you do to fences, railing, buildings, and other types of property belonging to someone else. This policy also pays for damage you do to properly parked cars that belong to other people.

Michigan’s no fault law also protects people with Michigan auto insurance from lawsuits, except under a few special situations. For instance, if you caused an accident and someone else was killed or seriously injured, you were involved in an accident with a car that’s not registered in Michigan, or you were involved in an accident in a different state, a suit might happen.

In addition, if you were more than fifty percent at fault in an accident, you may be sued for up to five hundred dollars in damage to the other car. However, in situations where you’re sued or are legally responsible for damages, your Michigan no fault insurance will pay up to your coverage limits.

There’s a minimum requirement of twenty thousand dollars worth of coverage for property damage and bodily injury coverage to handle situations where a person is injured or killed in an accident. For accidents where several people are injured or killed, up to forty thousand dollars of coverage is required. To cover property damage that happens outside of Michigan, you’ll need to have up to ten thousand dollars of Michigan auto insurance coverage. Just remember that if the court awards more than this, you’ll be responsible for the excess you need to pay.

There are some things that aren’t covered by Michigan no fault insurance, too. For instance, there’s no requirement for insurance to cover repairs to your car, for comprehensive coverage (which handles flood, animal, fire, vandalism and theft damages) or for uninsured or underinsured motorist coverage. You have to buy coverage for this to have it dealt with as part of your Michigan auto insurance.