How much car insurance do you need in Detroit?
If you own a car in Detroit, state law requires you to have auto insurance coverage. Under Michigan’s new auto no-fault legislation, effective July 1, 2020, drivers must purchase personal injury protection (PIP), property protection (PPI), and bodily injury and property damage liability (BI/PD).[3] The state’s minimum insurance requirements have three parts:
A PIP policy covers your medical expenses and those of your passengers in the event of an accident. Coverage options include:
$500,000 per person per accident
$250,000 per person per accident
$250,000 per person per accident, if someone on the policy has health insurance that’s not Medicare
$50,000 per person per accident, if everyone on the policy has health insurance or is covered by another policy with PIP, and the named insured is enrolled in Medicaid
No medical PIP coverage, if the named insured has Medicare Parts A and B, and all others on the policy are covered by health insurance or another auto policy with PIP medical coverage[3]
A PPI policy covers damage to another person’s property, but it won’t cover any other damage to your vehicle. And it only applies to accidents in Michigan. Your policy must cover up to $1 million.
Michigan is a no-fault state, which limits car accident lawsuits. For that reason, BI/PD coverage pays for damages you’re found liable for. Detroit drivers must have coverage that includes:
$20,000 per person for bodily injury
$40,000 per accident for bodily injury
$10,000 for property damage in another state[4]
Whenever you drive in Michigan, make sure you carry your proof of insurance in your car at all times. You must be ready to show it when requested by law enforcement or when registering your car.
In Michigan, the Secretary of State Office manages the state’s Department of Motor Vehicles (DMV). You can renew your driver’s license, update your address, check the availability of personalized plates, and perform many other services online.
If you prefer in-person services, offices are available in many locations throughout the state and are generally open Monday through Friday, from 9 a.m. to 5 p.m.