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Michigan is a no-fault state, which means drivers are required to have personal injury protection (PIP), also called no-fault insurance. No-fault insurance covers medical expenses for you and your passengers if you're hurt in an accident.
On July 2, 2020, many changes to the existing no-fault auto insurance law will take effect, including giving Michigan drivers a choice in their level of PIP coverage. Under the new plan, drivers will be able to choose from up to six options for Personal Injury Protection coverage.
Property Protection (PPI) No-fault will pay up to $1 million for damage your car does in Michigan to other people's property, such as buildings and fences. It will also pay for damage your car does to another person's properly parked vehicle. It does not pay for any other damage to cars.
The penalty for the offence of driving a vehicle without insurance is a fixed penalty of £300 and 6 penalty points or, if the case goes to court, you could get an unlimited fine and be disqualified from driving.
Most Common Infractions OffensePointsTotal Fines / CostsOffense No Proof of Insurance**Points 0Total Fines / Costs $160Offense No Registration on Person***Points 0Total Fines / Costs $118Offense Obstructed Vision or ControlPoints 2Total Fines / Costs $118Offense Prohibited TurnPoints 2Total Fines / Costs $12533 more rows

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Michigan has no-fault laws regarding car accidents, which means that your own car insurance will cover your injury-related costs whether or not you were at fault in causing or contributing to your accident.
Recent Michigan No-Fault Insurance Changes Under the new law, after July 1, 2020, drivers must select whether they wish to continue with \u201cunlimited\u201d coverage or whether they'd like to cap their coverage at $50,000 (if they are enrolled in Medicaid), $250,000 or $500,000.
On May 30, 2019, Governor Whitmer signed historic bipartisan no-fault auto insurance reform legislation (Public Acts 21 and 22 of 2019) to provide insurance coverage options, lower rates for Michigan drivers while maintaining the highest benefits in the country, and strengthen consumer protections.
Recent Michigan No-Fault Insurance Changes Under the new law, after July 1, 2020, drivers must select whether they wish to continue with \u201cunlimited\u201d coverage or whether they'd like to cap their coverage at $50,000 (if they are enrolled in Medicaid), $250,000 or $500,000.
Michigan law requires you to have no-fault automobile insurance on your car. If you have an accident, this required insurance pays for injuries to people and for damages your car does to other people's property and to properly parked cars. IT DOES NOT PAY FOR ANY OTHER DAMAGE TO CARS.

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