Minimum Car Insurance Requirements In Michigan
What Is The Required Coverage?
If you’re a Michigan driver, you must have car insurance coverage to legally operate a vehicle. The state’s minimum insurance requirements include bodily injury and property damage liability coverage, plus personal injury protection (PIP).
Bodily injury liability coverage pays for medical bills, funeral expenses and lost wages for people injured or killed in an accident that you cause. Property damage liability covers damage to someone else’s property, such as a vehicle, fence or building, if you’re at fault.
Personal injury protection pays for medical expenses, lost wages, services such as childcare and death benefits for you and other people riding in your car. It also covers some legal fees if you’re sued.
How Much Coverage Do I Need?
In Michigan, the minimum coverage amounts are:
- Bodily injury liability: $20,000 per person and $40,000 per accident
- Property damage liability: $10,000 per accident
- Personal injury protection: $50,000 per accident
You may also want to consider additional coverage, such as collision and comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage and rental reimbursement. Check with your insurer to find out what’s available.
Do I Have To Maintain My Coverage?
Yes. The state requires you to maintain your minimum coverage throughout the policy period. Otherwise, your insurer may cancel the policy and you may be subject to a fine and even license suspension.
What If I’m Caught Without Insurance?
If you’re caught driving without insurance in Michigan, you may be fined up to $500 and receive up to one year in jail. Your license, registration and plates may also be suspended for up to 30 days.
Can I Get A Discount?
Yes. Most insurers offer discounts for taking driver safety courses, having multiple policies with the company, setting up automatic payments, and having a good driving record. You may also qualify for a discount if you’re a member of certain groups, such as the AARP or AAA.
Where Can I Get Coverage?
You can buy car insurance from an independent or exclusive agent, or directly from an insurer. Shop around to compare rates and coverage, and be sure to read the policy carefully before you buy.
Conclusion
If you’re a Michigan driver, you must have car insurance coverage to legally operate a vehicle. The state requires you to maintain your minimum coverage throughout the policy period, and if you’re caught without insurance, you may face fines, jail time and license suspension. Be sure to shop around for the best rates and coverage and read the policy carefully before you buy.