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How does no-fault insurance apply to car accidents?

Of course you know that it is Michigan law to insure your vehicle, as it is in any other state. But did you know that Michigan is unique among other states in its expectation and application of no-fault insurance? But just what is no-fault insurance, and how does it apply to car accidents and personal injury?

No-fault insurance, according to, provides a certain list of benefits to motorists involved in a car accident regardless of who was at fault. Avoiding lengthy determinations of fault prevents delays in paying for medical coverage, repairs, property damage, replacement vehicles or rentals. In exchange, Michigan drivers abdicate the right to pursue a lawsuit in the event of a car accident unless in the case of serious personal injury or death caused by a motor vehicle collision. This means that the moment you are in a car accident, you are eligible to receive support from your insurance provider.

This statute has been in effect since 1973, and offers support such as lost wages up to three years, a daily stipend for replacement services and rehabilitation benefits. If you do not obtain no-fault insurance coverage on each vehicle that you own, you may face fines and possible prison time. If you have a motor vehicle accident while driving without insurance, you are not protected by no-fault laws and may be held personally liable through fines or a lawsuit.

This information is provided as an educational resource and should not be used as actionable legal advice or counsel.

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