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In Michigan, drivers are required to purchase three coverages: Personal Injury Protection which provides medical benefits for you; Property Protection covers property of others you hit; and Residual Liability provides legal benefits if you are sued.  Here's the breakdown:  

PERSONAL INJURY PROTECTION

Benefits are paid to accident victims by their own insurance company. These include the following:

 

  • Unlimited, lifetime reasonable and necessary medical expenses.

  • Work loss benefits up to a maximum of $5,452 per month (currently) for three years.  This is subject to an annual cost-of-living adjustment. Higher benefit limits may be purchased.

  • Up to $20 per day, for a maximum of three years, for "replacement services."  This pays for services which the injured person cannot perform.

  • Funeral and burial expense benefits.

 

Personal Injury Protection coverage applies to accidents occurring throughout the US and Canada.

 

PROPERTY PROTECTION:

 

This provides coverage for damage caused by your car to property of others (except moving vehicles), regardless of fault. For example, if you hit a properly parked car or a fence, your insurance would pay for the damages to the other car or the fence.

 

RESIDUAL LIABILITY INSURANCE:

 

This provides protection if you are sued or legally responsible:

 

  • In accidents involving death, serious impairment of body function or permanent, serious disfigurement.

  • When actual economic losses sustained in an accident exceed the Personal Injury Protection benefits available.

  • In accidents occurring outside of Michigan, for property damage and bodily injury.

 

The minimum required limits of this coverage are $20,000 for one person's injury, $40,000 for all persons injured in one accident and $10,000 for property damage. Higher limits may be purchased and are recommended.

Posted 9:11 AM

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