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?