Michigan Bodily InjuryWhat is Michigan Bodily Injury and Property Damage Liability

Michigan’s no-fault insurance 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 will have to 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.

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 made 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 that 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

You can view the new Bodily Injury form by picking lower limits at the Michigan auto insurance website.   

Click the link for a Michigan Auto Insurance Quote.