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Property Damage (PD) Insurance in Michigan


Accidents happen every day. Nobody can predict when an accident may happen. However, even if you cannot predict when the accident may happen, you may at least prepare for it. 

In the article Everything You Need To Know About The Accidental Death & Dismemberment Insurance in Michigan, we have discussed accidental death and dismemberment insurance in Michigan. Since the release of that article, we have received a lot of calls and queries about the other kinds of insurance that are available in the state of Michigan. 

To reiterate, in the United States, accidents are the third leading cause of death. For people between the age of 25 to 44, it is often the cause of death. Of course, this is why it makes sense to have a comprehensive insurance policy that could cover your needs, or your family’s needs when an accident happens.

Here at Haque Legal, it is our goal to make sure that you have the protection you need in times of trouble. We want to answer all of your questions and therefore we have created this article series that would discuss everything you need to know about car insurance coverage in the state of Michigan. Let us continue.

In the previous part of this article, we have discussed the first 3 minimum insurance coverage in Michigan, and let us discuss the next one which is the Property Damage insurance in Michigan.

Property Damage (PD) Insurance in Michigan

This kind of insurance coverage in the state of Michigan aims to protect the individual who has been caught in a collision and causes damage to another person’s vehicle outside of the state of Michigan.

Keep in mind that insurance coverage laws are different in many different states. In Michigan, it is a very important requirement for the vehicle owners to have property damage insurance that would cover any kind of damage that will be incurred by the vehicle owner in another state when he is driving. 

What is the required coverage?

The required coverage for this kind of insurance is a minimum of $10,000 of PD coverage. However, as your car accident lawyer in Southfield and across Michigan, we do not recommend that you get just this minimum amount. Keep in mind that you may have to face a lot of damages especially if you have been involved in a catastrophic accident that requires your financial attention since you are liable for it. We would recommend that you get at a minimum of a hundred thousand dollars for you to get proper protection especially since you have no control over which state you might get into an accident in.

Let us give you an example: If you get in an accident in the state of Ohio which is a tort state you would be held responsible if all of the other drivers are damaged if it has been proven that you are indeed responsible for the damage.

If you only got a 10,000 dollar property damage coverage this would not be enough to cover the property damage on the other vehicle as well as the property damage on your vehicle.

Why is it important to get higher Property Damage (PD) Insurance in Michigan?

As we have discussed in the previous part of this article we must always get higher property damage insurance in Michigan.

In the hundreds if not thousands of cases that we have handled about core conditions in Michigan one of the most glaring things that our clients seem to forget is the fact that not all states are the same in terms of the imputation of fault. While the State of Michigan is a no-fault state, others are considered as at-fault states or tort states which penalize the one at fault for the damages that have been caused to others.

At the end of the day if you want to get full protection we recommend that you go beyond the minimum required property damage insurance in Michigan.

Get Yourself a Good Lawyer

Here at Haque Legal, our Southfield accident attorneys always tell potential clients that the best thing that they can do in case of an insurance dispute is to get themself a good lawyer at the beginning of the proceedings. Even when you are just filling up forms or when you think that you already have a dispute, you can always get yourself a good lawyer to get started with the process.

The first great thing that you can do is to make sure that you have a good guide when it comes to dealing with the legalities of your claim. 

Contact Your Insurance Company

If you have been involved in a car collision in Michigan, make sure that you are protected. By contacting your insurance company, you will have what you need in terms of their decision and see if they just need a little nudge in the right direction.

If the answer of the insurance company is not positive on your claim, then you need to make sure that you will get going with your complaint.

A lawyer can help you get started with your claim. A lawyer at Haque Legal will see to it that your needs are met from beginning to the end of the proceedings. You are always in good hands with Haque Legal and what it has to offer.


The article that you have read is based on general applications of the law. It is not legal advice and it is not to be construed as any legal consultation with the firm. No client-attorney relationship is created when you read the articles we have provided.

Let us help you out.

If you are having trouble with filing an insurance claim or have been in an auto accident in Michigan, call us immediately. If you have any problem with the law or are seeking justice and truth, our numbers are standing by to take your call.

The post Property Damage (PD) Insurance in Michigan appeared first on Haque Legal.

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