What is “No Fault Auto Insurance?"


Recently new legislation was passed which affects No-Fault Auto Insurance. When those changes become effective, this answer will be updated to reflect those changes.

In most states the at-fault driver's insurance company pays for every party’s injuries and/or physical damage stemming from the accident, but in Michigan each insurance company pays for its own policyholders’ injuries and/or physical damage.

Unlike all other states (where drivers can choose what coverage limit they would like), drivers in Michigan are required to carry unlimited, lifetime coverage.