Michigan Auto Insurance

"Being insured is the law in Michigan"

Consumers have questions and so did we...

• What are the types of insurance coverage and what are the amounts required for the state of Michigan.

• What does the law say pertaining to minimum insurance coverage in Michigan?

Michigan has strict mandatory policies about vehicle registration, insurance coverage minimums, and financial responsibilities pertaining to every vehicle owned, operated, or parked on its roadways. In Michigan, you can obtain your learner’s permit at fourteen and nine months, and your restricted license at sixteen, with a full license at seventeen.

To adhere to Michigan's auto insurance rules, you must...

In Michigan, you must maintain a current insurance policy with a registered insurance company or broker carrying the minimum insurance requirements or greater. There are many different types of insurance, at competitive rates, so shop around for the best price. Be aware that once insured, if you miss a payment on your policy, your insurance could be cancelled, without notice.

1. Michigan requires each driver to carry third party liability insurance, also called PLPD, accidental benefits coverage, and uninsured and unidentified driver’s coverage, which insures you, in case you injure someone, cause a death, or damage someone’s property in a motor vehicle accident.

In Michigan, you must have third party liability insurance for bodily injury with each person allowed $20,000.00, up to maximum of $40,000.00, as well as an additional $10,000.00 for property damages. If there are more than two people injured, whoever files first gets the settlement.

2. In Michigan, you must carry your driver’s license and proof of insurance, which has not expired, in your motor vehicle. If you driver’s license has been suspended, or your insurance has expired, your vehicle could be towed to the compound by the police. You driver’s license can also be suspended if you owe back child support.

Important facts about auto coverage in Michigan:

• Your driver’s license can be suspended, if you are caught driving without adequate insurance, with too many fines, or driving while under the influence of alcohol or refusing to take a blood-alcohol test, and leaving the scene of an accident or failing to file an accident report. Seat belts are mandatory in Michigan.
• You are required to change your driver’s license, if you move, within seven days.
• Your insurance agent has access to your driving record to check for fines, suspensions, and accidents that can cause your policy to increase or be cancelled.
• If you are in an accident, and do not have the minimum insurance, you are financially responsible for all injury and damage settlements awarded by the courts.

Comprehensive or collision insurance does NOT meet minimum requirements.

Used Cars in Michigan

Auto Insurance FAQ

Question: Question about Michigan auto insurance?
In Michigan, if you are involved in an accident that was less than 50% your fault and the police were notified, does your insurance company automatically get notified? The truck is totalled, there was no coverage for collision (15-year-old truck), and Michigan is a no-fault state. Not sure what the other driver is planning to do. The person I'm asking for is not planning to notify his insurance company, but it seems like they will find out eventually and it will look bad. Anyone with Michigan auto insurance expertise that could settle this?

Answer: They will find out eventually. There are a number of ways the insurance company will find out, when either vehicle is sold, it will come up in the vehicle report run on the vin#. There is also a report called CLUE (Comprehensive Loss Underwriting Exchange) which is where all companies report claims, so it'll more than likely be there. If there is any payout for damage or injury, it'll surface, sooner or later.

Question: can you lease a 2006 car and not have some kind of auto insurance in the state of michigan?
my daughter leased a 2006 suv in michigan and somehow she did not have auto insurance on it when she hit a tree - is it possible to lease a car and not have some type of coverage by the driver or the dealer in the state of michigan.

Answer: No it is mandatory in Michigan,and I believe every other state.

Question: Michigan Auto Insurance question?
My son is 19. Can my insurance company make me, put him on my policy as a rider ( State Farm )? He had his own vehicle which is insured, but is now broken down to the point where he doesn't drive it any more. So if he cancels his policy, would I have to put him on mine? I have heard 2 different things about this: 1) The vehicle is insured, and can be used by any driver.....and 2) The driver is insured, and can use any vehicle. Thank you all Thank you all.75% of you had great informative info....

Answer: Technically, a "rider" is what's on a life insurance policy. Both your statements are inaccurate - lots of people spout them, but neither are true in all cases. Any household member, or someone who has regular access to your car (even if they aren't a household member), should be listed on your policy. So yes, State Farm can request that you either add him as a listed operator, OR completely exclude him from coverage (meaning, if he cracks up your car, YOU pay the claim - for your car, for the other car, and for the other people's injuries). Failure to list a household member can result in a denied claim. 1. on most policies, the vehicle is insured, and can be used by any driver occasionally, if they aren't household members, and don't have regular access to the car (less than 10X a year, less than once a month), if they aren't excluded from coverage. There ARE policies that say, we won't cover an unlisted driver, PERIOD. 2. The "named insured" on the policy (not listed driver, but policy owner), on MOST policies, will have their liability from their own policy carry over onto any car they drive, as long as the car they drive is NOT owned by them or a household member, and as long as it's not a business use (like bus driver, mechanic, auto sales, pizza delivery, etc). NOT ALL POLICIES HAVE THAT WORDING.

Question: Michigan auto insurance taxes MCCA, MAIPF, MATPA?

Answer: Your answer can be found at CarInsurance.com. Here is a portion of the feed from their RSS feed: MCCA = Michigan Catastrophic Claims Association The MCCA is a mandatory state assessment that is determined by a group of private insurance leaders.If you are catastrophically injured in a car crash, the MCCA will pay every medical expense your regular insurance does not cover...

Question: what is the cheapest auto insurance for michigan?
for the most basic insurance

Answer: It always pays to compare auto insurance rates before you buy, and there is no definitive answer as to who provides the cheapest coverage. The only way to find out who provides the cheapest auto insurance rate for your particular situation (i.e. credit history, driving record etc.) is to get quotes from multiple companies with identical coverages, and compare for yourself.

Question: How much will my auto insurance go up with 3 points on my record in Michigan?
Early September I received a ticket for running a red light in Michigan. Long story short I ended up paying the fine and taking the 3 point penalty that comes with it. I've never had points on my record before, and my last ticket was in 2001 with no points. How much can I expect my insurance to go up?

Answer: It will definitely go up. But I can't tell how much increase you could get. The best thing to do is to browse companies online that offers a free car insurance quote rate. You just fill-up the form and then compare it among the others. Check out the insurance listings in Michigan here: http://www.autoinsuranceselect.com/state/michigan-auto-insurance.html Good luck and drive safe...

Question: Does anyone know if AAA of Michigan have a grace period for auto insurance payments?
If so how long after the due date is the grace period and how do you know for sure can you give me a site or a link to a site where I can see that in writing. Thanks in advance!

Answer: Try here : http://www.insuranceagents.com/agentdisplay.aspx?Act=14357&ovchn=INK&ovcpn=Search+Submit&ovcrn=Search+Submit&ovtac=PIB

Question: Is there a law in Michigan requiring parents to add 18 year olds to their auto insurance policy?

Answer: If you are considering not notifying your insurance company about your kids who have driver licenses and live in your household, don't go there. What you are doing is committing a material misrepresentation about the policy. This can allow your company to void coverage for losses under certain cases. It isn't worth the risk.

Question: Will my auto insurance go up if I get a ticket at California even if I'm a Michigan resident?
I heard some states don't share traffic information. I am curious if CA and MI share traffic info?

Answer: No doubt the easiest way to get insurance quotes is on the web. Why would you waste your time on the phone calling around? the last time i needed quotes on insurance i used one of these comparison sites and it was great. this is the site i used and it was quick like less than 5 mins. The last thing I want to do is listen to elevator music while waiting for a salesman. Anyway I got good quotes and ended up saving money so I was happy. So shop around and compare quotes which is easy on the net. Good starting point is at this site. http://insurance.deal4-you.com Good luck.

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