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A Citizen’s Guide to Auto Insurance and Crash Law

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Michigan · State Law Library Hub

Michigan Auto Insurance & Crash Law Library

A public legal education and research library for Michigan no-fault auto insurance, PIP choices, PPI, liability, UM/UIM, comparative fault, damages and settlement.

  • Guide 01 + 22 TOPIC GUIDES
  • Choice-based PIP medical
  • PPI up to $1 million
  • Layout updated September 29, 2026
Browse Michigan GuidesGuide 01: How to Use This Library
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Michigan State Law Library

Numbered guides by legal category

Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category. The Michigan library remains subject to substantive legal-currentness and source-integrity review; consult current official authority and the actual policy before relying on a summary.

01

Getting Started in Michigan

State-specific working guide: how to use the library, build the claim map, and decide what to do first.

01Michigan Citizen’s Guide — How to Use This LibraryDistinguish PIP, PPI, liability and optional UM/UIM; organize the policy elections, proof and sources.›
02–07

Coverage & Insured Status

No-fault coverage, every policy, insured status, UM/UIM, coordination and policy interpretation.

02Required Auto Insurance, PIP, PPI & Liability Limits in MichiganMandatory no-fault structure, PIP/PPI and liability limits.› 03Finding Applicable Insurance Coverage After a Michigan CrashFinding every potentially applicable liability and first-party policy.› 04Who Is an Insured Under Michigan Auto Insurance?Coverage-specific insured status and priority questions.› 05Michigan Uninsured & Underinsured Motorist CoverageOptional UM/UIM coverage and policy conditions.› 06Michigan Stacking & Multiple Insurance PoliciesMultiple policies, priority, stacking and coordination issues.› 07Michigan Insurance Policy Interpretation, Exclusions & Coverage DisputesPolicy interpretation, exclusions and coverage defenses.›
08–12

Insurer Duties & Claims Conduct

Disclosure, claims handling, agents, defense and failure to settle.

08Michigan Coverage Disclosure & Insurer DutiesCoverage disclosure and insurer duties.› 09Michigan Claims Handling & Insurance Bad FaithClaims handling and insurer-conduct issues.› 10Michigan Insurance Agents, Applications & Failure to Procure CoverageAgents, applications and missing requested coverage.› 11Michigan Duty to Defend, Reservations of Rights & Liability Coverage DefenseDefense and reservation-of-rights issues.› 12Michigan Third-Party Failure to Settle & Excess ExposureSettlement duties and excess exposure.›
13–16

Vehicle & Use Questions

Borrowed and rental vehicles, work use, rideshare and public-entity vehicles.

13Michigan Borrowed, Non-Owned & Rental VehiclesBorrowed, non-owned and rental vehicle issues.› 14Michigan Work, Employer & Commercial Vehicle CoverageEmployer liability and commercial-auto coverage.› 15Michigan Rideshare & Transportation Network CoverageRideshare and TNC coverage.› 16Michigan Government Vehicle Crashes & Public Entity ClaimsGovernment vehicle and public-entity claims.›
17–18

Liability & Proof

Comparative fault, crash investigation and evidence preservation.

17Michigan Comparative Fault & Crash LiabilityComparative fault and damages allocation.›18Michigan Crash Investigation & Evidence PreservationCrash investigation and evidence preservation.›
19–22

Damages, PIP & Resolution

Serious-impairment, mini-tort, wrongful death, PIP, reimbursement and settlement.

19Michigan Crash Damages, Serious-Impairment Threshold & Mini-TortSerious-impairment, mini-tort and crash damages.›20Michigan Wrongful Death & Survival ClaimsWrongful-death and survival claims.›21Michigan PIP Benefits, Priority, Medical Expenses & ReimbursementPIP benefits, priority, medical expenses and reimbursement.›22Michigan Settlement, Release & Claim ClosureSettlement, release and claim closure.›
23

Case Authority

Michigan statutes and appellate authority organized by issue.

23Michigan Auto Insurance & Crash Law Case Authority LibraryIssue-organized Michigan appellate authority.›

Guide 01 · Michigan Citizen’s Guide

How to use this library before making a final claim decision

Build the claim map first. Keep PIP medical benefits, Property Protection Insurance, residual liability, optional UM/UIM and vehicle-damage questions separate. A claim label does not establish the applicable policy, benefit level or deadline.

1Build the claim map

List the vehicles, drivers, owners, household members, injured people and possible employers. Begin with Guide 02 and Guide 21 to organize the PIP, PPI and priority questions.

2Find every policy

Use Guide 03, Guide 04 and Guide 05. Preserve declarations, PIP medical selections, supporting eligibility records, liability selections and endorsements; do not assume that optional UM/UIM was purchased.

3Preserve proof

Use Guide 18 for reports, photographs, video, witnesses, vehicle data, medical chronology and benefit correspondence. Maintain a separate deadline calendar. Consult Guide 16 when government involvement is possible.

Michigan Published-Law Snapshot

Issues identified in the existing Michigan library

Residual BI/PD selection

The existing Michigan library describes a 250/500 bodily-injury default when no selection is made and a lowest selectable bodily-injury level of 50/100.

Choice-based PIP medical

The existing library organizes Michigan no-fault around selectable PIP medical levels and qualifying exclusions or opt-out pathways.

PPI up to $1 million

The existing library separately addresses mandatory Property Protection Insurance for qualifying Michigan property damage.

Optional UM/UIM

The existing library treats UM/UIM as policy-based optional coverage that must be verified from the actual contract.

Serious-impairment + mini-tort

Third-party noneconomic damages and limited vehicle-damage recovery require Michigan-specific analysis in the existing library.

Michigan DIFS

DIFS is the principal state insurance regulator and source for no-fault/PIP reform materials.

Currentness status: this layout update preserves the previously published Michigan legal content. Substantive legal-currentness and source-integrity review remain pending in the Registry.

Primary Research

Official Michigan research sources

VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.

How this library stays current

Build the complete Michigan coverage and claim map

Identify PIP medical selection and priority, residual liability limits, PPI, optional UM/UIM, serious-impairment and mini-tort issues, every policy and insured, comparative fault, damages, reimbursement and release consequences before claim closure.

1. Use the topic title to identify the research question and the displayed number to locate the Michigan guide.
2. Read the current primary source, effective date, actual policy and endorsements, and the claim’s factual record.
3. Legal currentness, source integrity and publication checks are separate; the pending legal review is not completed by this layout update.

Keep Michigan’s different coverage questions separate.

Identify the applicable policies, PIP selections, insureds and responsible parties, then verify benefits, damages, reimbursement and release consequences before treating the claim as complete.