The state of Michigan has one of the most comprehensive no-fault car insurance systems in the country and in order to maintain registration in the state vehicles must continuously be insured. Motorists in the state must purchase quite an extensive policy in order to be in compliance with the laws of the state. Individuals who own a vehicle and operate it or allow others to do so without proper coverage can be held accountable for any damages resulting from a traffic accident and be subject to a lawsuit. In addition if convicted of driving uninsured it may result in a misdemeanor and a fine ranging from $200 to $500, or sentenced to jail for up to one year or both.
The Michigan auto insurance laws requires that all motorists must purchase Personal Injury Protection (PIP), Property Protection (PPI), Residual Bodily Injury and Property Damage Liability (BI/PD) in order to receive vehicle license plates. The main goal behind this comprehensive no-fault system is to help ensure that every motorist, their family members and passengers have compensation in place regardless of fault; the no fault laws are also designed to protect insured individuals from being sued unless under certain special situations. No-fault policies will also cover family members if they are passengers in another person’s automobile or are injured as pedestrians while a traffic accident occurs. In addition, it will also cover pedestrians and motorcyclists who are injured in an accident involving the insured’s vehicle.
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