Michigan Bodily InjuryWhat is Michigan Bodily Injury and Property Damage Liability

Michigan’s no-fault insurance protects insured persons from lawsuits as the result of 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.

What are the Current Michigan Bodily Injury Limits the law requires

  • $20,000 for a person who has an injury or dies in an accident.
  • $40,000 for each accident if several people are hurt or dies.
  • Up to $10,000 for property damage in another state.

What Will Be the New Bodily Injury Limits July 1, 2020 

These are the new Michigan Bodily Injury limits

Your policy will defaults to these limits automatically unless you sign a form to choose a different option. 

  • $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 that you may choose

  • $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 dies.
  • $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 if you are at fault in an auto accident. Michigan requires 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”).   If the insurance company does not receive the proper forms, this is the new limit that the insurance company chooses at your renewal. With the auto reform changes most insurance companies will recommend that you get a personal liability umbrella to provide extra protection against lawsuits.

Sample New Michigan forms  that you need to sign

You can view sample forms at Michigan’s new government auto insurance website

Quotes are now available with July 1 rates, click the link for a Michigan Auto Insurance Quote.