Michigan’s Auto Insurance Law Has Changed
Insurance Information for Michigan Consumers
The information contained in the following publication pertains to auto insurance policies issued on or before July 1, 2020. Publications about auto insurance policies issued on or after July 2, 2020 are available at michigan.gov/autoinsurance. For more information about the new auto insurance law and how it will affect you, please visit: www.michigan.gov/AutoInsurance
Brief Explanation of Michigan No-Fault Insurance
NO-FAULT INSURANCE is required by law in
Michigan. Every owner of a car must buy certain
basic coverages in order to get license plates. It
is against the law to drive or let your car be driven
without no-fault insurance.
If you have an auto accident, no-fault insurance
pays for your medical expenses, wage loss
benefits, replacement services, and the damage
you do to other people’s property. It does not
matter who caused the accident.
Your basic no-fault insurance does NOT pay for
repairs to your car. For an explanation of
insurance coverages providing protection for your
car, see the next page of this sheet.
