Insurance 101

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  • No-Fault Insurance Explained

  • Michigan is recognized as having the auto insurance system with the highest benefits in the United States.

    Michigan's no-fault law became effective October 1, 1973. It was created by state lawmakers to:

    • Assure that persons injured in auto accidents are compensated, quickly and equitably, for medical costs and lost income; and
    • Limit lawsuits so that benefits could be paid quickly.

    Under a no-fault system, accident victims are promptly compensated for their losses. In Michigan, those injured in auto accidents receive unlimited medical benefits for their lifetime and substantial wage loss benefits on a "no-fault" basis. Under Michigan's no-fault system severely injured people receive immediate benefits instead of the previous system of having to wait for lawsuits with at-fault parties to be settled.

    The cost of Michigan's auto insurance system is reasonable - considering that Michigan has the highest level of auto insurance medical benefits in the country. People injured in Michigan auto crashes receive unlimited medical benefits for their lifetime. No other state comes close to such high benefits. In most other states, injured parties must file lawsuits to obtain medical benefits.

    Although Michigan has the highest level of benefits in the country, auto insurance average premiums rank 11th in the country. However, the price of auto insurance in Michigan is driven by the cost of:

    • offering unlimited medical benefits;
    • inflation in the cost of health care and auto repair; and
    • lawsuits.

    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.

    Information from the Insurance Institute of Michigan 

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