Insurance 101


Related Information

  • No-Fault Insurance Explained

  • 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

    In Michigan, those injured in auto accidents may receive unlimited medical benefits for their lifetime and substantial wage loss benefits on a "no-fault" basis. 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. In most other states, injured parties must file lawsuits to obtain medical benefits or the benefits available are significantly lower than those available here.

    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:

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

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