Michigan auto insurance, without the confusion.

Yes. Michigan remains a no-fault state: your own policy pays your medical costs and lost wages after an accident regardless of fault. The 2020 reform added choices in PIP medical levels, which is where a licensed agent earns their keep — the cheapest election is not automatically the right one for your health coverage situation.

Depending on your health coverage you can choose unlimited PIP, capped levels ($500,000 or $250,000), a $250,000 level with exclusions, a $50,000 Medicaid-coordinated level, or opt out entirely with qualifying Medicare. Each has strict eligibility rules tied to your health insurance — we verify eligibility before you elect anything.

Broad collision waives your deductible when you are 50% or less at fault. Standard applies your deductible regardless of fault. Limited only pays when you are not substantially at fault — but costs the least. Michigan is one of the few states with this choice, and it changes both your premium and what happens after a crash.

Mini-tort coverage pays up to $3,000 of the other driver's vehicle damage when you are at fault — the amount they can legally recover from you under Michigan's limited property damage liability. It costs little and prevents an out-of-pocket surprise.

Statewide rate filings, vehicle repair costs, MCCA assessment changes, and your own factors (claims, violations, credit-based insurance scores, vehicle changes) all move rates. The fix is competition: as an independent agency we re-shop your policy across carriers at renewal instead of hoping your current carrier stays competitive.