Yes, Michigan is a no fault state. As with every no fault state, medical coverage is required. However Michigan goes beyond that, as they are the only state that requires guaranteed unlimited lifetime medical benefits coverage. The auto insurance companies are require to insure the first 500 thousand of an injury claim, a state mandate catastrophe fund (known as MCCA) pays beyond that. MCCA fees cost $186 per year per vehicle (and that number seems to go up every year).
As a result of these factors, Michigan has the highest auto insurance rates in the nation.
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As a result of these factors, Michigan has the highest auto insurance rates in the nation.