How Does Car Insurance Work in Michigan?

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If you’ve been injured in a car accident, the physical and emotional damage can be significant. On top of that, the financial burden you’re experiencing can take a huge toll on your lifestyle. When you weren’t responsible for the collision that caused your injuries, holding the liable parties accountable with a personal injury lawsuit can ensure your expenses are covered.

When you live in the state of Michigan, however, insurance can play a key role in whether you’re able to file a lawsuit against the negligent driver. This is because Michigan is a no-fault state. Understanding the no-fault state law can be confusing, so hiring a Detroit car accident lawyer can be a great way to get the information you need.

At Christensen Law, our qualified attorneys know Michigan’s no-fault laws backward and forward. We can guide you through the legal process and ensure you’re financially covered, no matter what the circumstances may be.

No-Fault State


States that have no-fault laws in place do so to try and simplify the process of personal injury cases in the court system. No-fault insurance is required for all vehicle drivers in the state of Michigan, and if you’re injured in a wreck, regardless of who was at fault, this insurance will provide personal injury protection for personal injury, wrongful death, and property damages.

There are limits for the amount that this personal injury insurance covers. You can still file a lawsuit against a negligent driver if you’ve been seriously injured or disfigured in a wreck, if you were hit by a non-resident, or if you were in a collision outside of the state.

Reach Out to a Detroit Car Accident Attorney


No-fault laws can be confusing, but speaking with a lawyer will ensure that everything is made clear. It’s important to know your rights before accepting a settlement offer from your insurance. At Christensen Law, we’ll make sure you’re fully covered, and if possible, we’ll maximize your settlement.

To schedule a no-obligation consultation with a Detroit car accident lawyer today, fill out the contact form below or call us at 248-213-4900.