Michigan has been a no fault state since 1973. No fault insurance places limitations on the injured parties ability to sue other drivers for damages. In no fault insurance, your auto insurance company will pay for your damages (up to your policy limits), regardless of who was at fault in the accident. Other drivers involved will be covered by their auto insurance companies.
Michigan minimum liability limits; $20,000 per person for injuries you cause to the other parties, $40,000 total per accident, and $10,000 for damage you cause to the other party's property. Other mandatory coverages include $10,000 in medical payments (PIP) coverage.
Optional plans include blanket umbrella, collision, and comprehensive coverage.
If you are convicted of DUI in Michigan (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to use the Michigan Catastrophic Claims Association. The Michigan Catastrophic Claims Association was created to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market. Eligible Michigan Automobile Insurance Plan risks are shared among companies writing automobile insurance in the state of Michigan.
Below (again) are the minimal limits.
Proof of insurance is required when you register the vehicle. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Penalties for driving without insurance in Michigan are a $200 fine.
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