Auto Insurance Rates by State.
Michigan
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The law limits the damages that can be claimed against drivers as the result of an automobile accident, except in certain situations. The residual bodily injury portion of an automobile insurance policy will pay up to a policyholder’s coverage limit amounts if they are found legally responsible for damages in these situations. These amounts have been increased under the new law.
The new default BI/PD coverage limits are:
- Up to $250,000 for a person who is hurt or killed in an accident.
- Up to $500,000 for each accident if several people are hurt or killed.
- Up to $10,000 for property damage in another state.
Drivers may have the option of purchasing other BI/PD coverage limits. However, the lowest limit they may purchase is:
- Up to $50,000 for a person who is hurt or killed in an accident.
- Up to $100,000 for each accident if several people are hurt or killed.
- Up to $10,000 for property damage in another state.
Drivers may consider speaking with their licensed insurance agent on the options available.
PIP Medical Coverage Options
There are six PIP medical coverage levels available to Michigan drivers. Under these limits, this amount is the most a driver’s auto insurance company will pay per person per accident for an injured person’s expenses under PIP medical coverage.
- Unlimited coverage
- Up to $500,000 in coverage
- Up to $250,000 in coverage
- Up to $250,000 in coverage with PIP medical exclusion(s)
Exclusion is available for a named insured with non-Medicare health coverage that covers auto accident injuries and/or for household members if they have health insurance that will cover auto accident injuries. - Up to $50,000 in coverage
Available if the named insured is enrolled in Medicaid and their household members have another auto insurance policy, Medicaid or other health insurance that will cover auto accident injuries. - PIP medical opt-out
Available if the named insured has Medicare (Parts A and B). Any of their household members must have another auto insurance policy or health insurance that will cover auto accident injuries.
If a PIP medical option is not chosen by the insured, the unlimited PIP medical option is selected by default.
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