Our goal is to give you the most up-to-date, accurate information about your state DMV’s processes. The date you see here reflects the most recent time we’ve verified this information with your state DMV. When they change something, we do, too!
In Michigan, not only can you help slow the rise of car insurance costs by reporting suspected car thefts and insurance fraud, you can even be rewarded for it. Read more about Michigan car insurance requirements and programs.
Michigan requires you to have no-fault car insurance. which covers injuries and damages caused in a car accident regardless of who is at fault. Michigan’s basic no-fault auto insurance includes:
Personal Injury Protection (PIP)
Personal Injury Protection will pay your medical expenses from injuries that you might suffer from a car accident.
You have the option of coordinating your health insurance with your PIP coverage. If you do so, your health insurance will pay for your medical bills up to the limits of your health insurance policy first. Your PIP insurance will cover the rest.
If your injuries keep you from working your normal job, PIP will also pay up to 85% of what you would have earned in income if you weren’t hurt, with a current limit of $5,452 per month for a maximum of 3 years. Limits change annually, so be sure to check with your insurance company when applying.
This coverage will pay up to $1 million for damages to other people’s property such as buildings. PIP will also cover damages to someone’s car if that car was legally parked, but will not cover a moving car that was involved in the accident.
Michigan’s no-fault insurance requirements are meant to protect you from being sued after an accident UNLESS.
If you are sued after one of the above instances, Residual Bodily Injury/Property Damage Liability (BI/PD) insurance covers your defense costs and pays for damages and injuries you may have caused to others, up to the limits of your policy’s coverage.
The minimum amounts of BI/PD insurance you must carry in Michigan are:
If you are caught driving without car insurance in Michigan you may be convicted of a misdemeanor and face the following penalties.
In addition to facing these penalties, you may be sued and held financially responsible for all the damages and injuries resulting from a car accident.
Michigan’s no-fault insurance requirements do not cover damages to your car. There are optional types of car insurance coverage you can buy that will cover damages to your car, such as collision car insurance.
Michigan car insurance companies offer you 3 types of collision car insurance that will cover your car’s damages after a car accident.
The 3 types of collision coverage are:
Collision insurance is a great optional car insurance to help protect your car against damages. Other types of optional car insurance include:
Note: While collision and comprehensive coverages are optional, your car loan lender will require you to have both collision and comprehensive car insurance on your financed car.
The Michigan Auto Insurance Placement Facility (MAIPF) is a private non-profit organization established by the Michigan State Legislature to help assist people with car insurance issues, such as helping you get car insurance if you are having a hard time finding an insurance carrier.
While all licensed drivers and people who own Michigan registered cars are legally guaranteed car insurance eligibility, individual insurance companies do have the right to deny you car insurance coverage.
If multiple insurance companies are turning you down, for reasons such as your poor driving record, you have the option of getting your car insurance through MAIPF. You can apply to MAIPF through any licensed Michigan car insurance agent, including any of the agents that have turned you down.
The Michigan Assigned Claims Program (MACP) helps injured victims of car accidents receive personal injury protection when no car insurance is available.
MACP will help you pay your medical costs after a car accident; however, you should keep in mind that the owners of the uninsured cars involved in the accident will be responsible for paying MACP back, even if the owner of the car is a family member.
To file a claim after an accident involving an uninsured driver, visit the MACP website.
Help Eliminate Auto Thefts (HEAT) is an MAIPF-run program targeting car theft related crimes in Michigan, including auto insurance fraud.
Through the HEAT website or their tip line (1-800-242-HEAT), you can tip local police of suspected car theft issues.
Your tips can earn you the following rewards:
All car owners feel the impact of car theft and insurance fraud. Part of your insurance premium goes towards the money auto insurance companies have to spend on car theft and car insurance fraud related claims.
Cracking down on theft and insurance fraud could help lower insurance costs for everyone. Get your car insurance quotes online and see how much you could save.
Owning a car that is highly targeted for theft can lead to more expensive car insurance rates.
The following is a list of 2013’s most stolen cars in Michigan according to www.nicb.com :