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When the policy applies to the operation of a motor vehicle outside of your state, and the limits are higher in that state, your insurance will increase your limits to the extent of the limits required by the local law. As long as you possess those coverages in your own policy. For example, if you live in a state that requires PIP and the state you are driving in requires bodily injury, than your insurance will not provide bodily injury since you have not purchased this coverage.You must purchase bodily injury protection to have this coverage. If your PIP is $10,000/$20,000 and the state in which you are driving has a limit of $15,000/$30,000 than your limit will be increased to meet the higher limits required for that particular state.

No-fault insurance is sold in Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Texas, Utah, and Washington. Other jurisdictions except Pennsylvania and the District of Columbia have traditional tort systems. Pennsylvania and DC have hybrid insurance systems.

Michigan Car Insurance Laws


The minimum amount of liability insurance required in Michigan is as follows:

$20,000/$40,000 for bodily Injury

$10,000 for property damage


Michigan state sealAutomobile liability insurance is generally defined as coverage for bodily injury you cause to another person or for property damage you cause to another person’s property through negligent use of your vehicle. In Michigan you are required to carry $20,000/$40,000 in bodily injury protection and $10,000 in property damage. Michigan also requires Personal injury protection (PIP) which covers up to $8,000 in medical and work loss expenses, regardless to who is at fault.

Be aware that the liability coverage required by law covers only damage the policy holder does to others. To pay for damages to your car, you will need to purchase collision insurance or comprehensive insurance for damage to your vehicle from other causes.

In Michigan uninsured motorist coverage is not required, so you may not be able to collect for damages if you are involved in an accident with a uninsured or under insured owner. Insurers recommend you purchase more than the minimum coverage.
Michigan operates under the No Fault system. Because it is a No Fault state, your insurance company makes the payments for any injuries you sustain in an auto accident, regardless of fault.
When it comes to physical damage to your car or its contents, unlike compensation for bodily injury claims, insurance claims are still based on fault. Those claims are handled in the same way as those in a state with a Tort system: by filing a claim against the at fault drivers insurance or looking to your own collision insurance.

You should be aware that in a competitive insurance market insurance companies charge different rates for essentially the same coverage. Shopping around may result in savings to you on your automobile policy. Be sure to take into consideration the services provided by the company.