Big Changes Are Here With Michigan's Auto No-Fault Insurance Law


Michigan’s new auto no-fault insurance law has brought big changes to the level of medical care that comes with auto insurance policies. 

As you may recall, under Michigan's old auto insurance law, all auto insurance policies would cover lifetime medical and rehabilitation care expenses for injured drivers and passengers — for as long as the care is needed.

However, under the new law, Michigan drivers for the first time will have the option to choose significantly lower levels of medical coverage when they buy or renew their policies. 

Although the new no-fault law allows motorists to purchase different levels of medical coverage, or “Personal Injury Protection” (PIP), opting for less than full coverage can result in high out-of-pocket medical costs down the road if injured in a car crash.  It is important to keep full unlimited Personal Injury Protection coverage on your auto insurance policy to ensure that you are fully covered in the case of an accident.

Serious car crashes are more common than many people may think. 

Research conducted in 2019 for the Michigan Health & Hospital Association found that 38% of insured Michigan motorists and 52% of those who have no auto insurance have been in a serious car crash or know someone who has been in a serious crash. 

According to the National Safety Council, in 2018, there were: 

  • 534,223 drivers involved in crashes 
  • 312,798 total vehicle crashes 
  • 75,838 total injuries 
  • 79,014 rear-ended crashes 
  • 99,027 intersection crashes 

From a broken arm to a spinal cord injury, the costs of emergency room visits, surgeries and long-term rehabilitation can take a financial toll on you and your family – PIP protects you. Learn more about your options at, and talk to your auto insurance agent to decide what’s best for you.

Learning More About No-Fault Auto Insurance Changes

This infographic from the Michigan Health & Hospital Association provides more information on what the new auto no-fault law changes mean.

Michigan Auto No-Fault Changes