Car insurance question.

I was curious about some insurance situations.

I’m in Michigan, and we have “no fault” insurance in this state(personally I think the idea is crap, but not to derail my own question) In each case the cause of the accident is clear and 100% to a single party.

  1. If I drive my car, with my No-fault insurance into a normal insurance state, and cause an accident with some one who has local insurance, Does my insurance pay for their car, or is it limited by the no fault contract, and their insurance has to cover it as uninsured motorist?

  2. If I go to an at fault state and a local state local hits my car, who pays for each car?

  3. If an at-fault holder comes to my state and hits me?

  4. If I hit someone from an at-fault state in my state?

  5. If two no-fault policy holders crash in an at-fault state?

  6. IF at-fault holder hits another at-fault holder crash in a no-fault state?

Bump to see if there is an agent in the Saturday crowd

I live in a no-fault state, and I know I am covered for accidents in at-fault states or if hit by an at-fault driver in my state. I do not know, however, if that is primary or back-up (like uninsured motorist) coverage.

Ow! My neck!


Most of your questions can be answered by knowing this: the basic Michigan no-fault insurance provides you liability coverage only (it won’t pay for damage to your own car), only while you are in Michigan, and only in accidents where the other driver is also a Michigan resident or driving a car registered (and therefore insured) in Michigan.

It will pay for damage your car causes in Michigan to buildings or other structures, or to legally parked vehicles. It won’t pay for damage to other vehicles that are moving. If that potential other vehicle is a Michigan vehicle, you can not be sued for the cost of its repair over $500, and then only if you are found to be more than 50% at fault. You have no protection against lawsuits from accidents involving non-Michigan vehicles.

You can buy supplemental coverage to cover situations not covered by the required no-fault insurance.

If you’re driving in another state, you are governed by their rules (that is, if they have similar home-state only no-fault rules, and another driver hits you, their insurance won’t take care of you). If you have Michigan no-fault coverage only, you are effectively uninsured when in other states.

The state Insurance Consumer Information Sheet on the no-fault program is here: