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michigan no-fault law

Michigan No-Fault Law


BAGLEY & LANGAN, PLLC has represented clients involved in Michigan Auto Accidents since 1995. Insurance companies and opposing counsel alike know that we rigorously pursue insurance companies for the full reimbursement of our clients’ losses. If you have been injured in a Michigan Auto Accident, call one of our three convenient Michigan offices today and speak with an attorney for FREE.

No-Fault / First-Party Insurance: 

A No-Fault insurance system means that certain benefits are paid by your own insurance provider regardless of who was at fault in the accident.   In Michigan and under most circumstances, your own insurance company will pay your benefits (medical bills, wage loss) regardless of fault.  First-party benefits are paid by your insurance provider regardless of whether you were a driver, passenger, bicyclist, or pedestrian so long as you were injured in an accident involving another automobile. 

Michigan Insurance Requirements

Owners of passenger vehicles, vans, and light trucks must purchase Michigan no-fault insurance before registering their vehicle.  Out-of-state insurance policies cannot be used to meet Michigan insurance requirements for registering a vehicle.

Motorcycles must also be insured, but are not subject to no-fault insurance.

Required coverages include bodily injury/property damage (BI/PD), personal injury protection (PIP), and property protection insurance (PPI).  These required coverages do not pay for damage to your vehicle or cover theft.  If you want your insurance company to cover damage to your vehicle or theft, you may choose to carry collision coverage (damage) and comprehensive coverage (theft).

BAGLEY & LANGAN, PLLC recommends that you keep your Michigan no-fault insurance certificate in your vehicle or carry it with you when you drive.  If you cannot show proof of insurance to a law enforcement officer, the court may order the Secretary of State to suspend your driver license. Until proof of insurance is shown, the Secretary of State will not renew, transfer, or replace your vehicle’s license plate. You may be required to prove the vehicle is insured for not less than six months and pay $50, plus any other fees required by law. The plate could also be canceled if proof of insurance is not produced.

If you have been injured in a Michigan Auto Accident click HERE to contact one of our Michigan Offices.  Our attorneys will assess your claim for FREE.

The information contained within the Bagley & Langan, P.L.L.C. website is intended for informational purposes only. The content, including any publications, is not intended as professional counsel and should not be used as such. The users of our site should not consider any information on our website to be construed as forming an attorney/client relationship. By using this site, you acknowledge that nothing on this website is intended to be construed as legal advice