For a period of up to three years, it can pay for the income you lose as a result of your injuries, and for the financial support your dependents require should you die from your injuries. Damage to your own property is not covered. Outside Michigan, your legal liability for property damage is covered by Residual Property Damage Liability Insurance. Residual Liability Insurance Pays when you are legally liable for unintentional bodily injury and also covers property damage to others outside of Michigan. Minimum coverage limits on mandatory No-Fault insurance are set by law.
Higher limits are available on selected coverages at additional cost.
Collision Coverage Having fulfilled the No-Fault requirements, you should also consider collision protection for your vehicle. Limited Collision Pays for damages to your vehicle only if the driver of your vehicle is not substantially at fault. Broad Collision Pays for damage to your vehicle regardless of fault. If you are not substantially at fault in the accident, the deductible will be waived. Comprehensive Coverage Suppose a tree falls on your car, or a stone shatters your windshield.