Car insurance is a legal requirement for Michigan drivers. To meet state requirements, drivers must have a minimum amount and type of car insurance. A driver with insufficient liability insurance in Michigan faces severe penalties, even if it's their first offense. If you have a car accident, no-fault insurance will reimburse you for medical or hospital expenses, wage losses due to incapacity to work, and, if necessary, funeral expenses.
Not having car insurance in many states can make you a high-risk driver when buying car insurance. Even though the car insurance requirements in Michigan are liability insurance, PIP and PPI, many drivers choose to purchase additional insurance with a car insurance quote. Although car insurance in Michigan is more expensive than average, there are providers that are known to offer more reasonable rates. Michigan, like most states, requires drivers to have at least a minimum amount of car insurance to drive legally.
Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs. In some states, your vehicle can be towed and you won't be able to claim it until you present proof of insurance. The PIP coverage regulations were reviewed by Michigan's auto insurance laws, which affect all Michigan drivers. Auto insurance requirements in Michigan also require state approval of new auto insurance rates and increase penalties for some insurance violations.
In a no-fault system, your own auto insurance coverage covers your medical care and other out-of-pocket expenses after a car accident, up to the limits of the policy, regardless of who caused the accident. Michigan's new auto insurance laws mention that auto insurers can no longer use gender, marital status, homeownership status, credit score, education level, employment and zip codes as qualifying factors. If you can't drive your car because of a covered loss, this coverage helps pay for a car rental or other transportation expenses so you can get back on the road.
