Michigan’s bodily injury coverage protects insured persons from lawsuits resulting from an automobile accident, except in certain situations. This liability includes when the injured party does not have enough coverage to pay for treatment or payment must be made to compensate someone that was killed or seriously injured. This portion of your automobile insurance policy will pay up to your coverage limit amounts if you are legally responsible for damages in these situations.
Michigan Bodily Injury limits
The state recommends these limits, and you must sign a waiver if you pick limits lower than the recommendation.
- $250,000 per person with an injury or dies in an accident.
- $500,000 for each accident if more than one person has injuries or dies.
- $10,000 for property damage in another state.
If you choose limits less than the recommended levels, the state will have the insurance company request you sign a waiver which can be viewed @ this DFIS Bulletin.
Michigan’s new minimum Bodily Injury limits
- $50,000 for a person who has an injury or dies in an accident.
- $100,000 for each accident if several people are hurt or die.
- $10,000 for property damage in another state.
What Does Michigan Bodily Injury Cover
Bodily injury liability insurance covers claims against you for injuries to others in an at-fault auto accident. Michigan recommends auto insurance policies to provide bodily injury liability insurance coverage of not less than $250,000 per person and up to $500,000 per accident (“$250,000/$500,000”). The new limit the insurance company chooses at your renewal unless you make another selection. With the auto reform changes, most insurance companies recommend getting a personal liability umbrella to provide extra protection against lawsuits.
Sample New Michigan forms that you need to sign
The Michigan auto insurance website can view the new Bodily Injury form by picking lower limits.
Click the link for a Michigan Auto Insurance Quote.
