First off Michigan is a No-Fault state, but not 100% pure No-Fault. What this means is you can still go back on the other driver for certain damages and certain limits. You can file a claim for vehicle damages up to $500. You can also sue the at fault driver for liability due to pain and suffering. This is why choosing higher liability limits that are at least equal to and hopefully much greater than your net worth is so important. Talk to an insurance professional about this in more detail.

The second and best part of Michigan Auto Insurance is the medical coverage. In Michigan you receive unlimited medical coverage from your auto insurance carrier for injuries sustained in an auto accident. Most states will set limits such as $10,000 coverage, $20,000 etc... This could cause you to file bankruptcy or be financially burdened due to a serious auto accident injury.

The final question that I hear all the time in Michigan is: What is Mini-Tort