Michigan Car & Motorcycle Insurance
Required Minimum Bodily Injury Coverage
- $20,000 per person injured in any one accident and $40,000 for all persons injured in any one accident
Required Minimum Property Damage Coverage
- $10,000 for injury to or destruction of property of others in any one accident
Optional Insurance Coverage
- Personal Protection Insurance Benefits. These benefits cover the insured and the insured’s passengers for medical expenses and work loss. Insurance companies are required to offer medical benefits between $1,750 and $5,000 per person and work loss benefits of 85 percent of wages for 3 years, but not to exceed $1,000 per month.
Restrictions on Tort Liability
- No-Fault statute. Michigan has a No-Fault statute. Under the statute, an injured person cannot sue for pain and suffering unless the injury causes death, serious impairment of bodily function, or permanent, serious disfigurement. Whether an injury rises to the level of a “serious impairment of bodily function” or a “permanent, serious disfigurement” is left for a judge to decide.
- Uninsured (UM) and Underinsured Motorist (UIM) Coverage. Michigan does not have a statute regarding UM/UIM coverages.
Special Rules for Motorcyclists
- Insurance companies are required to offer motorcycle owners first-party benefits in $5,000 increments.
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Please note: State law information collected from LexisNexis™ electronic database in 2005. All of our lawyers are licensed to practice in the state of Pennsylvania. We also have lawyers licensed to practice in Ohio, and West Virginia and we associate with experienced attorneys in other states.
The materials at this web site have been prepared by our Law Firm for information purposes only and should not be construed as legal advice or legal opinion on any specific facts or circumstances. These materials do not, and are not, intended to constitute legal advice. Readers should not act upon this information without seeking professional counsel. The information provided at this site is subject to change without notice. Although we try to keep our site current and accurate, you should not rely on this information or its applicability to any specific circumstances without speaking with an attorney.
