833-ASK-DIFS | www.Michigan.gov/DIFS
• $50,000 per person per accident:
To select this option, both of the following must be met:
o The applicant or named insured is enrolled in Medicaid; AND
o Any spouse and all resident relatives have qualified health coverage, are enrolled in Medicaid, or
are covered under another auto policy with PIP medical coverage;
• No medical PIP coverage:
To select this option, both of the following must be met:
o The applicant or named insured has coverage under both Medicare Parts A and B; AND
o Any spouse and all resident relatives have qualified health coverage or are covered under another
auto policy with PIP medical coverage.
You must choose the level of PIP medical coverage you wish to have under your auto policy. If you do not
make a selection your policy will be issued with unlimited PIP medical coverage and you will be charged
the appropriate premium for this unlimited coverage.
2. Property Protection (PPI)
No-fault will pay up to $1 million for damage your car does in Michigan to other people’s property, such as
buildings and fences. It will also pay for damage your car does to another person’s properly parked
vehicle. It does not pay for any other damage to cars.
3. Residual Liability Insurance - Bodily Injury and Property Damage (BI/PD)
Michigan’s no-fault insurance protects insured persons from being sued as the result of an automobile
accident, except in certain situations. This includes when the injured party does not have enough coverage
to pay for treatment or payment must be made to compensate someone that was killed or seriously injured.
This portion of your automobile insurance policy will pay up to your coverage limit amounts if you are found
legally responsible for damages in the following situations:
• You cause an accident in Michigan in which someone is killed, seriously injured, or permanently
disfigured;
• You are involved in an accident in Michigan with a non-resident who is an occupant of a motor
vehicle not registered in Michigan;
• You are involved in an accident in another state; or
• For up to $3,000 if you are 50% or more at fault in an accident which causes damages to another
person’s car which are not covered by insurance.
Your required minimum coverage no-fault policy will pay up to certain amounts if you are found legally
responsible. Although you may purchase coverage with different limits by speaking with your agent or
company, the default coverage is:
• Up to $250,000 for a person who is hurt or killed in an accident.
• Up to $500,000 for each accident if several people are hurt or killed.
• Up to $10,000 for property damage in another state.
Protect Yourself and Your Family
If you are responsible for injuries to another person, you may be liable for damages for their pain and
suffering, as well as the costs of their medical and other care that exceed their coverage under their auto
insurance policy. The bodily injury liability limit of your policy will pay for such damages, but only up to the