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Understanding Basic Michigan No-Fault Insurance Requirements

By Lipton Law on March 22, 2012 - No comments

Michigan is one of several states that requires auto drivers to carry basic no-fault insurance, and also requires motorcyclists to carry insurance. No-fault auto insurance covers medical bills, property damage, and other costs for those who are injured in Michigan car accidents. Some basic types and amounts of insurance are required, although drivers may purchase additional coverage – both in the form of higher limits and different types of coverage – in addition to the required insurance if they prefer.

At a minimum, Michigan drivers must carry coverage for bodily injury, property damage, personal injury protection, and property protection insurance. Bodily injury covers the costs for others who are injured in the accident, while personal injury protection pays the bills of the insured person and any dependents. Property damage and property protection insurance coverage both cover damage to non-vehicle property. For instance, if your car crashes into a fence during an accident, this coverage will pay to replace the fence.

Michigan drivers must carry proof of no-fault auto insurance coverage with them at all times. Most drivers place their proof of insurance in their vehicle, so that it is always available when they drive. If you cannot show proof of insurance, your driver’s license may be suspended until you provide proof of insurance to the Secretary of State.

The experienced Michigan no-fault insurance attorneys at Lipton Law are dedicated to helping those injured in car accidents through every step of the process, from filing an insurance claim to holding any negligent parties accountable in court. For a free and confidential consultation, call our office today at (248) 557-1688.

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