Unique Unlimited Medical

• Michigan's no-fault law is unique because its personal injury insurance provides unlimited medical expense coverage for injuries you and anyone riding in your car sustained in an auto accident. Other states' no-fault laws limit personal injury claims. Michigan's unlimited personal injury coverage also applies to all members of your immediate family even when they are riding in someone else's car or are struck by a car while a pedestrian. All Michigan insurance companies must participate in a state-run reinsurance pool, the Michigan Catastrophic Claims Association, which covers big personal injury claims exceeding a specified threshold. Companies can pass pool premiums on to policyholders in their rates.
  
  

Lost-Wage Coverage

• As of 2011, Michigan's no-fault law also provides three years of lost-wage coverage equal to the lesser of $4,929 per month or 85 percent of the monthly wage you would have earned had you not been injured in the auto accident. The lost-wage limit is reviewed annually. If you die in the auto accident, your policy will pay your family the lost-wage benefit for three years. Michigan no-fault also includes up to $1 million in coverage for damage your car caused to another person's property, such as structures, fences and legally parked vehicles.
  
  

Bodily Injury Liability

• Although there's no fault for injuries you suffered, you can still be liable for medical bills of other persons injured in an accident where you were at fault. Michigan no-fault requires that you carry bodily injury liability insurance to cover other injured parties. Minimum coverage is $20,000 per person and $40,000 per accident, and $10,000 for property damage done outside of Michigan. These are minimums, but higher coverage amounts are available.
  
  

Lawsuit Limits

• Michigan's no-fault law sharply limits the grounds for auto accident injury lawsuits. You can be sued if you kill, cripple or permanently disfigure another person in an auto accident. You can also be sued if you are involved in an auto accident in another state, or if an accident in Michigan involves a resident of another state driving or riding in a vehicle registered in another state. If you are at fault, you can also be sued by the other party for up to $500 in damages not covered by his insurance.