Michigan car accident lawyers and Michigan auto insurance lawyers explain Michigan car insurance laws to consumers.Big insurance companies are State Farm, Allstate, AAA, Farmers, Nationwide, Progressive, Titan, MEEMIC, Auto Owners, and Citizens.

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  • I was in a Michigan motorcycle accident while riding my bike when I was struck by a car.  My hospital bills were over $30,000.00. Do I have to pay that out of my own pocket?

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Michigan Car Insurance Information

Michigan personal injury lawyers and Michigan auto accident lawyers deal daily with Michigan car insurance issues.  Many times, this is because a client has been involved in a Michigan car accident and needs to file an insurance claim.

Michigan has the most comprehensive no-fault auto insurance system in the nation.  If your vehicle is insured in Michigan, you and your family will be provided with unlimited medical and rehabilitation benefits, wage loss benefits and $20 per day for replacement services for up to three years if you are injured in an auto accident, regardless of fault. 

Every registered vehicle must be insured.  If you own a car and you drive it, or allow someone else to drive it without basic no-fault insurance, you can be sued and held personally liable.  You may also be convicted of a misdemeanor and fined from $200 to $500, or put in jail for up to one year, or both.  The court may also order your license suspended for 30 days or until you are able to provide such proof.  In addition, if you are uninsured you may be held liable for all damages that result from an accident while uninsured, including your own.

There are three basic parts to a no-fault policy that must be purchased and carried on every vehicle.  They are:

Personal Injury Protection (PIP) - Personal injury protection (PIP) pays all necessary medical costs if you are hurt in an auto accident. 

Property Protection (PPI) - Property protection (PPI) pays up to $1 million for damage your car does in Michigan to other people's property, such as buildings and fences. 

Residual Bodily Injury and Property Damage Liability Insurance (BI/PD) - Residual bodily injury and property damage liability (BI/PD) pays your defense costs and any damages you are found liable for as the result of an auto accident, up to the limits of the policy.  The minimum limits of coverage that everyone must purchase are $20,000 for a person who is hurt or killed in an accident, $40,000 for each accident if several people are hurt or killed, and up to $10,000 for property damage in another state.  These minimum limits are often referred to as 20/40/10. 

There are other coverage options that can be purchased and these involve insurance for the collision damage to your vehicle.Your basic no-fault policy does not pay to repair or replace your car if it is damaged.  Therefore, if you want to have your vehicle covered if it is damaged or stolen you must purchase collision and comprehensive coverage. 

Uninsured motorist coverage is another optional coverage that compensates you for pain and suffering and excess wage loss if you are injured in a hit and run accident or if an uninsured motorist strikes you. You can also purchase underinsurance coverage for that compensates you for your injuries if they are greater than the insurance policy limits of the driver that causes your injuries.  These are both very important benefits.

An excellent resource for information on Michigan auto insurance is the Michigan Department of Labor and Growth which has detailed information on the Michigan No-Fault Laws and buying car insurance. The biggest car insurance companies in Michigan are State Farm, Allstate, AAA, Farmers, Nationwide, Progressive, Titan, MEEMIC, Auto Owners, and Citizens.

 

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Southfield, MI 48075

Toll Free: (800) 606-1717
Phone: (248) 569-4646
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Case Results

Michigan Car Accidents

$1,375,000 - Detroit, Michigan car accident settlement for paralyzed

$385,000 - Dearborn car accident arbitration award

$433,000 - Lansing Michigan car accident settlement for a client who sustained a closed head injury

$300,000.00 Lansing Michigan auto accident settlement

$525,000 - Detroit car accident settlement

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Slip and Fall Cases

$1,425,000 - Detroit slip and fall brain injury jury verdict

$125,000 slip and fall on wet floor with no warning sign

Michigan Slip on Ice Settlement

Swimming Pool Injury

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Dog Bites and Attacks

$55,000 - Troy, Michigan dog bite settlement

$225,000- Michigan Dog Bite Injury Settlement

Michigan Dog Bite Settlement

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Child Lead Poisoning

$250,000 - Detroit lead poisoning arbitration award

$450,000 - Ohio lead poisoning settlement

$200,000 - settlement for a teenage girl who suffered lead poisoning at a rental property

$195,000 - settlement for siblings who were diagnosed with lead poisoning

$390,000 - Flint settlement for child inuries

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Michigan Wrongful Death Cases

$1,600,000 - Michigan Wrongful death car accident

$850,000 - Detroit wrongful death drowning settlement

$150,000 Flint carbon monoxide death settlement

Michigan Ladder Fall Death

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Michigan No-Fault Insurance

$375,000 Michigan No-Fault Insurance settlement

$150,000 Detroit car accident Allstate insurance lawyer jury verdict

$150,000 - Oakland County auto insurance policy settlement

$145,000 -Michigan auto insurance brain injury settlement

$120,000 - Secura insurance settlement for paralyzed client

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Motorcycle Accidents

$1,100,000 Detroit, Michigan Motorcycle Accident Settlement

$5,000,000 Detroit, Michigan Motorcycle Accident Judgment

$500,000 Michigan motorcycle accident injury insurance benefits

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Michigan Truck Accident Lawyer

$1,800,000 - Detroit Michigan truck accident settlement

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Brain Injuries

Michigan Brain Injury Car Accident Settlement

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Medical Malpractice

$135,000 Lasik eye surgery malpractice settlement

$3,750,000 - Michigan hospital suicide malpractice settlement

$175,000 Michigan medical malpractice drowning settlement

$400,000 Michigan medical malpractice settlement for frostbite injuries

$250,000 Detroit medical malpractice wrongful death lawsuit

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Nursing Home Neglect

Detroit nursing home fall injury

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Types of Injury Cases

Coffee Burn Injury Settlement

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Drunk Drivers and Bars

Bar/Dram Shop

$100,000 Michigan Drunk driver accident settlement

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Premises Liability

$200,000 - falling store shelf causing neurological injuries

$250,000 - Detroit trip and fall on broken parking lot

$225,000 - Michigan knee replacement

$117,500 - defective and poor lighting

$117,500 - Detroit trip and fall settlement

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Products Liability

$1,200,000 - Michigan products liability settlement for a client whose hands were crushed in a press on the job

$125,000 - Detroit eye injuries due to chemical burns drain cleaner

$125,000 drain cleaner burn injuries

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Governmental Liability

$75,000 -Detroit trip and fall on broken City of Detroit sidewalk

$250,000 Jackson Michigan defective roadway

$465,000 - Southgate Michigan sexual assault settlement

$125,000 - Romulus Michigan trip and fall settlement on behalf of the family of an elderly client who died after falling on a defective city sidewalk

$125,000 - improper traffic signs settlement

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Other

$100,000 Michigan burn Injury settlement

$90,000.00-Michigan carbon monoxide poisoning

$150,000 Detroit coffee burn settlement against casino

$150,000 Michigan firework injury arbitration award

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