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Revisiting No-Fault Insurance in Michigan


The Department of Insurance and Financial Services (DIFS) is the Department in Michigan that handles automobile insurance in Michigan. 

According to the DIFS, and Michigan Law, in order to drive legally in Michigan, state law requires you to purchase no-fault automobile insurance. The financial security that results from being insured is one of the most important reasons to purchase insurance. 

In case of a serious accident, injuries can amount to hundreds of thousands of dollars in costs to you or your family. 

Can I drive without insurance in Michigan?

Driving without insurance is a crime. It is punishable as a misdemeanor with a fine of up to $500 and up to one year in jail. The court may also order your license suspended for 30 days or until you are able to provide proof of valid insurance. 

What is No-Fault Insurance in Michigan?

No-fault insurance means that both parties involved in a car accident are entitled to claim the benefits coming from their auto insurance companies. The amount of loss no-fault insurance is limited to up to 3,000 dollars and is not dependent on the cause of the crash or who caused the trash in the first place. 

The no-fault insurance in Michigan is to make sure that at the very least the parties would have a way to be compensated in the instance of a crash. However, this no-fault insurance skin in Michigan does not come with its complications. This is why hiring a good lawyer and legal team is important. You need a team who can help you out in handling the auto negligence cases that would involve no-fault insurance workers’ compensation and all of the other benefits that you are entitled to.

How Do I Get The Benefits of No-Fault Insurance?

It depends on the process of your insurance company. Generally, you must simply submit an application for benefits form with the insurance company that you have a policy from. Make sure that you file for this benefit at least within one year from the time of the crash or you forfeit your right to claim your no-fault benefit.

Does No-Fault Policy Cover the Whole Family?

A no-fault policy covers all family members living in your household. PIP benefits will be paid even when a family member is a passenger in another person’s car or is a pedestrian when an accident takes place. It will also cover a motorcyclist who is hurt in an accident involving your car up to the limit of coverage selected under your policy.

Let Haque Legal Help You With Your Collision Problem

Now that you know some facts about your rights in case of a car crash in Michigan it is time to get down to it. If you require a lawyer who can assist you with ensuring that you protect your rights to your property, it is important to know that you also have a team that can help you out with your specific needs. 

Our law firm is dedicated to making sure that those who are innocent will be protected by the law and the full extent of justice will be used.


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

After a car crash, call our car accident injury attorneys immediately. We have helped thousands of auto accident victims claim millions of insurance benefits with the proper handling of automobile insurance claims from start to end.

The post <strong>Revisiting No-Fault Insurance in Michigan</strong> appeared first on Haque Legal.

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