Michigan’s no-fault auto insurance laws have gone through major changes in recent years, leaving many drivers in Washington Township with more questions than answers. If you’re unsure how the new laws impact you or whether your current policy is sufficient, you’re not alone.
Let’s break it down.
What Is No-Fault Insurance?
Michigan’s no-fault system means your own auto insurance pays for medical costs, regardless of who caused the accident. While this setup speeds up claims and limits lawsuits, it also places more responsibility on drivers to choose the right coverage.
Key Changes That Affect You
Recent reforms have changed how much medical coverage (PIP – Personal Injury Protection) you’re required to carry. Drivers now have more flexibility, but also more risk if they underinsure. Choosing the cheapest option might save you upfront, but cost you much more after an accident.
Coverage Tips for Local Drivers
- Choose PIP coverage carefully: If you don’t have strong health insurance, don’t skimp here.
- Protect against lawsuits: Increased limits for bodily injury liability are a smart move.
- Consider uninsured motorist coverage: Not everyone on the road is properly insured.
We’re Here to Help
At Macomb Auto Home & Life, we walk you through each option to make sure your family and your finances are protected.
