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.

These are the new Michigan Bodily Injury limits Effective July 2, 2020.

Your policy will defaults to these limits automatically at your renewal after July 2, 2020, 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 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”).   This the new limit that the insurance company chooses at your renewal after July 2 unless another selection is made. With the auto reform changes, most insurance companies 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 2 rates, click the link for a Michigan Auto Insurance Quote.