Is Michigan a no-fault state?
Yes. Michigan is a no-fault state. Your own Personal Injury Protection (PIP) pays your medical bills and some lost wages, up to the PIP level you chose, no matter who caused the crash.
Last checked November 9, 2026 · Official sources (5)
How does Michigan car insurance work?
“To drive legally in Michigan, state law requires you to purchase no-fault automobile insurance.”
Michigan Department of Insurance and Financial Services (DIFS), Quick Facts FIS-PUB 0202A
What is Michigan's minimum car insurance?
Since July 2020, the lowest bodily injury liability you can choose is $50,000 per person and $100,000 per crash.
| Coverage | What Michigan requires |
|---|---|
| Injury to one person | $50,000 |
| Injuries in one crash | $100,000 |
| Personal injury protection (PIP) | PIP is required, but you choose the medical limit: unlimited, $500,000, or $250,000 per person. A $250,000 option with exclusions and lower options exist only for people who meet health-coverage rules. |
When can you sue in Michigan?
You can sue for pain and suffering only if the injured person died, has a serious impairment of body function, or has permanent serious disfigurement.
Other no-fault states
Questions
What if you were partly at fault in Michigan?
Your money is cut by your share of the blame. If you are more at fault than everyone else combined, you can still get reduced economic damages (like bills and lost pay) but no pain-and-suffering damages.
When can you sue after a crash in Michigan?
You can sue the at-fault driver for pain and suffering only if the crash caused death, serious impairment of body function, or permanent serious disfigurement.
Hurt in a crash in Michigan? Find out if you are owed money.
A free case review. $0 upfront. No fee unless you win.
See if I’m owed moneySources (5)
- Michigan Department of Insurance and Financial Services (DIFS), Quick Facts FIS-PUB 0202A, checked 2026-11-09. “To drive legally in Michigan, state law requires you to purchase no-fault automobile insurance.”
- Michigan Department of Insurance and Financial Services (DIFS), Quick Facts FIS-PUB 6310, checked 2026-11-09. “After July 1, 2020, drivers will have the choice of purchasing a minimum coverage of $50,000 per person and $100,000 per accident.”
- Michigan Department of Insurance and Financial Services (DIFS), Quick Facts FIS-PUB 0202A, checked 2026-11-09. “The PIP coverage options are: • Unlimited coverage; • $500,000 per person per accident; • $250,000 per person per accident; • $250,000 per person per accident with exclusions:”
- Michigan Compiled Laws § 600.2959, checked 2026-11-09. “If that person's percentage of fault is greater than the aggregate fault of the other person or persons, whether or not parties to the action, the court shall reduce economic damages”
- Michigan Compiled Laws § 500.3135, checked 2026-11-09. “A person remains subject to tort liability for noneconomic loss caused by his or her ownership, maintenance, or use of a motor vehicle only if the injured person has suffered death, serious impairment of body function, or permanent serious disfigurement.”