What if I don’t have a car and don’t have insurance?

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This is very common. If you don’t have a car and don’t live with a relative who has insurance, you still have access to coverage if you are hit by a vehicle as a pedestrian. But you have less coverage than you did before the law changed.

For pedestrians, the state has an organization called the Michigan Assigned Claims Facility that will place you with a Michigan auto insurance company for free after an accident. Drivers pay for that in their premiums, but pedestrians don’t have to pay anything.

Pedestrians used to be granted the same coverage that all other people in Michigan had, which was unlimited for life. However, the new law reduces that. The coverage is limited to $250,000 of medical care.

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