Michigan is one of a handful of states in our nation that utilizes a no fault insurance system.  You may find yourself asking, “What is Michigan No Fault Insurance?”  The easiest way to answer this is simply that if you are involved in an automobile accident your insurance company will be responsible for the repair costs associated with your vehicle and the other driver’s company will take care of them.  In addition to the vehicle repair costs you will also turn to your own company for any medical costs. 

People often throw around the term Michigan No Fault Insurance with a very loose understanding of what it actually means.  Many people mistake the term PLPD for Michigan No Fault Insurance.  We often receive quote requests for No Fault Insurance and what people are really asking for is PLPD.  PLPD stands for personal liability and property damage protection.  In order to operate a vehicle in the state of Michigan you must purchase at a minimum personal liability and property damage.  The state requires that you carry a minimum of 20/40/10.  This means that if you are involved in an accident your insurance policy will provide $20,000 in liability protection per person up to $40,000 per accident (assuming there are multiple people in an accident) and $10,000 in property damage protection.  These are the bare minimums required by the state and they do not include collision coverage.  If you choose to drive with the minimums you will not have any collision protection and you will be personally responsible for all repair costs to your vehicle. 

Now that you have a better understanding of what Michigan No Fault Insurance is let’s look at ways to reduce your car insurance bill.  In order to find the best savings opportunities available with the least amount of work I recommend using an online insurance comparison site.  The link that follows will direct you to a comparison site that receives top rankings from the better business bureau.  Take a minute to fill out a free insurance quote request and you will be on your way to savings.