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General Michigan Insurance Guidelines
Michigan currently requires that all drivers be covered under liability insurance. Proof of insurance must always be accessible in the vehicle.
Minimum Liability Coverage in Michigan
Michigan's minimum liability amounts are as follows:
- $20,000 bodily injury per person.
- $40,000 total bodily injury per accident.
- $10,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.
Penalties for Driving Without Insurance
The penalties for driving without insurance in Michigan are:
- Can be sued or held personally liable for an accident
- Can be convicted of misdemeanor and fined from $200 - $500, jailed for up to 1 year, or both
- Court can suspend license for 30 days or until proof is provided of insurance
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Michigan does not require UM/UIM coverage.
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Michigan is a “No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Michigan requires drivers to purchase PIP insurance. The minimum PIP coverage amounts for Michigan are PIP will cover all medical costs, funeral/burial expenses, up to $20/day for services, survivor's benefits and replacement services and a maximum of $4,400/month for lost wages up to 3 years. PPI will pay up to 1 million per accident, excluding cars unless they are parked.
SR-22 Requirements for Michigan
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Michigan requires an SR-22 filing for driver’s license reinstatement.
Michigan DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Michigan are:
- Up to 93 days imprisonment
- $100 - $500 fine
- $1,000 driver responsibility fee
- 6-month license suspension
- 6 license points
- Possible restricted license after 30 days
- Possible 360 hours community service
- Possible ignition interlock
- Possible vehicle immobilization
Special Insurance Regulations for 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.
Additional Information on Insurance for Michigan
For more information, please contact Michigan Office of Financial and Insurance Regulation: 1-517-335-4978 or visit their website at www.michigan.gov.
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