No Fault Insurance

HOME

ABOUT US

STAFF

CONTACT US

PERSONAL INSURANCE

COMMERCIAL

LIFE & HEALTH

INVESTMENTS & RETIREMENT

NECC/BCBSM

COBRA

NEWSLETTERS

NO FAULT INSURANCE

Mandatory Coverage:

Michigan Law requires that you carry No Fault insurance if you're the owner of a car or truck licensed for road use. Here are some of the major features of this coverage.

Property Protection Insurance

Pays for damages, regardless of fault, done by your car (in Michigan ) to properly parked vehicles or fixed properties such as buildings or lampposts. Damage to your own property is not covered.

Outside Michigan , your legal liability for property damage is covered by Residual Property Damage Liability Insurance.

Residual Liability Insurance

Pays when you are legally liable for unintentional bodily injury and also covers property damage to others outside of Michigan .

Minimum coverage limits on mandatory No Fault insurance are set by law. Higher limits are available on selected coverage’s at additional cost.

Personal Protection Insurance

Pays for your personal injury expenses and losses if you're ever hurt in an automobile accident. It also covers family members who reside in your household and passengers riding in your vehicle who are not covered by similar insurance.

Within certain limitations, Personal Protection Insurance pays for virtually all your medical and hospital costs. For a period of up to three years, it can pay for the income you lose as a result of your injuries, and for the financial support your dependents require should you die from your injuries.

You can reduce the cost of this coverage by coordinating benefits with your current health insurance or income protection plan (if you're covered by one that coordinates with your No Fault insurance).

MISSION STATEMENT | PRIVACY STATEMENT | TERMS