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  • Home Page
    • About Our Agency
    • Our Process
    • Insurance Company Mobile Apps
  • Easy Quote
    • Car Insurance Quote
    • Home Insurance Quote
    • Renters Insurance Quote
    • RV & Rec Vehicles
    • Dwelling Fire
    • Life/Health/Disability
    • Umbrella
    • Flood
    • Animal Mortality
    • Commercial Insurance
  • Service Center
    • Tips Library >
      • Pioneer State Mutual Announcements
    • Payment
    • Submit/Request Docs
    • Insurance Claims
  • Contact Us
  • MI No-Fault Reform
    • Bodily Injury
    • Personal Injury Protection
    • Mini-Tort
    • How do I save?
    • How to protect my family?
    • No-Fault Reform Discussion

Insurance Knowledge Database

Michigan No-Fault Car Insurance

2/3/2017

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Michigan No-Fault Car Insurance

What is it?

Michigan No-Fault car insurance is a set of coverages that are required to drive in our State:
  1. Personal Injury Protection (PIP)
  2. Property Protection Insurance (PPI)
  3. Bodily Injury & Property Damage (BI & PD)
This is also known as "liability only" and used to be known as "PLPD", standing for Personal Liability, Property Damage". PLPD has not been a valid term for quite some time.

This term No-Fault is used to imply that each party is entitled to coverage from their own insurance company no matter which party was at-fault in causing the accident. This did away with suing and the possibility of not collecting (speeding and sure-ing up the process).

Important!

Notice that Uninsured/Underinsured Motorist is not included in the required coverages- it should be. If an agency ever offers you a policy without; RUN!

Also notice that Limited Property Damage Liability (LPDL), AKA Mini-tort is not included. In good faith, you should purchase Mini-tort. This coverage covers the other person's deductible for a physical damage loss to their car if you were at fault- you would want it if they hit you, right?
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    Allendale Insurance Agency

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Phone: 616-850-1111
Fax: 616-223-6996

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297 Main St
Coopersville MI 49404

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