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Michigan Auto Insurance Information and Resources

We have listed below several valuable sources of information to help educate you in obtaining car insurance in Michigan. Included are links to organizations with helpful guides on topics such as purchasing auto insurance, filing claims and more.

Michigan Car Insurance Laws

A No-fault automobile insurance is mandatory in Michigan. Michigan has the most comprehensive no-fault auto insurance system in the nation. If your vehicle is insured in Michigan, you and your family will be provided with unlimited medical and rehabilitation benefits, wage loss benefits and $20 per day for replacement services for up to three years if you are injured in an auto accident, regardless of fault.

There are three basic parts to a no-fault policy that must be purchased and carried on every vehicle in Michigan. They are:

Personal Injury Protection (PIP) - Personal injury protection (PIP) pays all necessary medical costs if you are hurt in an auto accident.

Property Protection (PPI) - Property protection (PPI) pays for damage your car does in Michigan to other people’s property, up to $1 million.

Residual Bodily Injury and Property Damage Liability Insurance (BI/PD) - Residual bodily injury and property damage liability (BI/PD) pays your defense costs and any damages you are found liable for as the result of an auto accident, up to the limits of the policy. The Michigan liability insurance minimum are 20/40/10, that is: $20,000 for a person who is hurt or killed in an accident; $40,000 for each accident if several people are hurt or killed; and up to $10,000 for property damage in another state. You can also purchase additional liability coverage with higher limits.

The basic no-fault policy does not pay to repair or replace your car if it is damaged. Michigan car insurance companies offer optional collision and comprehensive coverage if you want to have your vehicle covered for damages or theft. Visit the Michigan Insurance department for more information.

Michigan Secretary of State

You can find links to Michigan DMV services on the Michigan Department of State main site. In the Vehicle section, residents can get information on title history, personalized plates, license plate, registration and titling, information about selling a vehicle, repairing vehicles and recreational vehicles. In the Driver License section, Michigan resident can get more information on renewing or replacing license, publications and forms, and information about Graduated Driver License for persons under 18year of age. New Michigan residents can find license requirements online. There are quick links on the main page that will take you directly to sections that are most visited.

Michigan Office of Financial and Insurance Services (OFIS)

The Michigan Insurance department provides information regarding financial institutions, insurance, and securities in the State of Michigan. Consumers in Michigan can file a consumer insurance complaint, view insurance complaint statistics, insurance company complaint ratios, and insurance financial statements. Michigan requires no-fault automobile insurance and drivers can get more information about the requirements before purchasing auto insurance. Access the website to review the Consumers Guide to No-Fault Auto Insurance in Michigan. And the Interactive Buyers' Guide to Michigan Auto Insurance gives you examples of auto insurance rates charged by insurance companies in Michigan. Insurance producers or agents can go online to apply for licensing and view statutes, rules and regulations.