Michigan Auto Insurance Quotes

If you've been looking for Michigan auto insurance coverage, you're in the right place. Before requesting a policy quote, you can learn about Michigan's auto insurance laws and get a better understanding of what coverage is required to keep your vehicle in compliance. After you've decided if you want to add any optional coverage to your policy, you can get auto insurance quotes from companies authorized to do business in Michigan.

Michigan Liability Insurance Requirements

Under Michigan auto insurance laws, liability insurance coverage must be maintained on all vehicles registered in the state.  In addition, personal injury protection coverage must also be purchased.  For bodily injuries for one person in one accident, the minimum coverage required is $20,000.  For all bodily injuries in one accident, the minimum coverage required is $40,000.  Property damage liability insurance is also required in the minimum amount of $10,000.  The required personal injury protection coverage will pay medical or funeral expenses for covered drivers and their passengers, as well as pedestrians injured in an accident.

Michigan's No-Fault Laws

Michigan is one of the twelve states that is considered to be a no-fault state.  This means that an insurance company must pay an insured driver's accident expenses regardless of who was at fault in the accident.  As a result, the liability insurance coverage that a motorist carries must be no-fault coverage.

Michigan Proof of Insurance

All drivers must be able to show proof of insurance to a law enforcement officer during a traffic stop.  The best way to avoid problems in showing proof of insurance is to keep a current financial responsibility card in your vehicle at all times.  This card has important information about your policy that will show law enforcement officers that you are in compliance with the law.  If you are unable to provide proof of insurance, you can be found guilty of what is known as a civil infraction.  The penalty is driver's license suspension for 30 days or until you provide proof of coverage on the vehicle in question.

Michigan Penalties for Lack of Coverage

Michigan's penalties for failing to maintain financial responsibility on a vehicle are harsh.  If you are convicted of driving without insurance, you can be jailed for up to a year or required to pay a fine of $500.  Both penalties can be applied for the same offense.  Driving without insurance is considered a misdemeanor in Michigan.  In order to avoid these penalties, maintain the proper insurance coverage on your vehicle at all times.