Which non-injury auto insurance policies apply to your car accident?Just because you have Michigan’s mandatory Personal Injury Protection (PIP) insurance doesn’t mean you will be covered for all the mishaps that could damage your car. PIP only covers your injuries and related expenses. It doesn’t pay for repairs to your car or property damage caused by an accident. For that you need to add policies like collision, comprehensive, and liability car insurance policies.

Mandatory Auto Insurance

In addition to your PIP insurance policy, Michigan requires every licensed driver to purchase two policies that apply to the physical damage caused by an accident: Property Protection Insurance (PPI) and Residual Bodily Injury and Property Damage Liability (BI/PD).

Property Protection Insurance

If your accident causes damage to the surrounding environment, your property protection insurance will pay for the first $1 million in damages. This could apply to anything from guardrails to grass, and can keep you from owing a lot of money to your local government or neighbors.

Residual Bodily Injury and Property Damage Liability

Michigan residents are required to carry insurance to pay for the serious injuries or death of other motorists. Your minimum policy must pay $20,000 per person and $40,000 for each accident. The policy will also cover up to $10,000 for damage your vehicle does while you are traveling out of state. If you don’t want to be personally liable after an at-fault injury, you might consider a higher policy limit.

Optional Insurance Policies

Collision Auto Insurance

After you’ve been in an accident, your collision car insurance policy covers the damage caused to your vehicle. That can include repairs needed when another car hits you, or when you hit a stationary object like a tree.

You will need to choose the total value of your policy and the size of your deductible. If you drive an expensive car, you will need more coverage. A higher deductible, on the other hand, will cut your monthly costs. In either case, make sure your savings together with your collision auto insurance policy will be enough to replace your car if it is totaled in a crash.

Comprehensive Auto Insurance

Not all damage is caused by an automobile accident. When a tree falls on your car, or you are hit by a deer or falling rock, your collision coverage simply does not apply. That’s where comprehensive auto insurance comes in. Your comprehensive auto insurance policy applies to damage caused when there is no accident. It also can cover damage caused by thieves or vandalism.

Michigan law doesn’t require you to carry comprehensive or collision auto insurance, but the lender on your auto loan probably does. Most lenders require you to carry enough insurance to cover the replacement value of your vehicle for the duration of your auto loan.

After a serious auto accident, it may be confusing what insurance policies apply to what damages. The expert auto accident attorneys at Christensen Law can help you understand your auto insurance policies and get the benefits you need to fix your car and cover your costs.


Everyone at Christensen Law was extremely friendly and very easy to work with. Whenever I had a question, they took the time to talk with me and explained everything thoroughly. They were also very quick to return phone calls. I would definitely recommend Christensen Law to anyone in need of a personal injury lawyer.

I suffered Traumatic Brain Injury when struck by a vehicle while walking. My recovery was a long uphill battle; I had little energy to expend on daily routines and even LESS on caring for my home and life. I wondered how I could continue into the future with the difficulties I faced.

I handed the baton off to David and Sarah of Christensen Law. They resolved the unique challenges of my case while buffering me from the opposing side’s onslaught. The case concluded successfully and to my satisfaction with minimal effort on my part.

To ease the burden of the load you carry, make the decision on your legal team today. You’re in the right place – all you have to do now is make the call.

Overall a professional, great team. Everyone knew me and my case. When I left a message, I got a quick reply. Sarah made me feel comfortable going into a courtroom, where I never had been before. Both David and Sarah are very knowledgeable with legal issues. I trusted everyone and am a satisfied client.

V. Watkins

I never knew attorneys could be so accessible and kind. They fought for me all the way to the end. They had to take my case to trial and they won me a great settlement. Now I have a secure future.


HH, Davison

I was treated very nicely and professionally with a lot of consideration and compassion for my disabilities suffered in a horrible car accident. Mr. Christensen and Sarah Stempky made sure I understood what was happening with my case and that everything was pulled together.

LG, Stockbridge

As an accident victim I had to have my leg amputated and I was in bad shape overall. David Christensen was a light in that experience. I ended up with an entire home modification to accommodate my disabilities. It was a very stubborn insurance company but David wouldn’t take no for an answer.

CB, Milford

If I had questions or worries Dave would address them with me because he knows what he is doing. I think the world of him. I felt he went above and beyond to turn a really bad situation around. I have hope now where before I felt powerless and miniscule and that these big insurance companies were just going to railroad me.

DT, Jackson

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