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
No-Fault / First-Party
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
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.
have been injured in a Michigan Auto Accident click
to contact one of our Michigan Offices. Our
attorneys will assess your claim for FREE.