Insurance 101

Related Information

  • Mandatory Auto Coverages

  • All drivers in Michigan are required by law to have three mandatory insurance coverages:

    Personal Injury Protection
    The accident victim receives benefits from his or her own insurance company

    • All reasonable and necessary medical expenses.
    • Work loss benefits
    • "Replacement services" for services the injured person can no longer perform.
    • Survivors' loss benefits and replacement services benefits are paid to the insured's dependents in case of death.
    • Funeral and burial expense benefits.

    Personal Injury Protection coverage applies to accidents occurring throughout the United States and Canada. It covers you and your family while riding in any car and as pedestrians. Premium costs for this coverage can be reduced by choosing a deductible for medical benefits - and a waiting period or deductible for work loss benefits.

    The Insurance Institute of Michigan (IIM) has designed a flip book to explain the unique unlimited, lifetime benefits of Michigan's law.  Click here to go to IIM's website and view Personal Injury Protection: An Inside Look at What Michigan Auto Insurance Premium Pays For

    Property Protection
    This provides coverage for damage caused by your car to property of others (except moving vehicles), regardless of fault.

    • Coverage is provided up to a $1,000,000 maximum.
    • Vehicles are excluded from coverage, unless properly parked.
    • Property Protection does not apply to accidents occurring outside the state of Michigan.

    Residual Liability
    This provides protection if you are sued or are legally responsible:

    • In accidents involving death, serious impairment of body function, or permanent, serious disfigurement.
    • When actual economic losses sustained in an accident exceed the benefits available in Personal Injury Protection coverage.
    • In accidents occurring outside of Michigan, for property damage and bodily injury.

    The required limits of this coverage are $20,000 for one person's injury, $40,000 for all persons injured in one accident and $10,000 for property damage. Higher limits may be purchased.

    Information from the Insurance Institute of Michigan 

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