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Michigan Insurance Laws and Regulations
The Michigan Department of Insurance and Financial Services develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about your auto and home insurance. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Michigan Department of Insurance and Financial Services. The state of Michigan does not share consumer complaint information for consumers to use when making insurance purchase decisions.
A summary of the driving safety laws in the state of Michigan can be found at this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Michigan.
The Michigan Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.
Michigan has minimum auto insurance amounts that are required by law. The table below shows the MI minimum car insurance limits.
Minimum Car Insurance Coverage Required in Michigan
|Bodily Injury, per person||20,000|
|Bodily Injury, per accident||40,000|
|Personal Injury Protection||218,172|
Resources Available to Consumers
The Michigan Small Claims Court is available for consumers to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.
The Federal Emergency Management Agency (FEMA)is for disaster victims who are uninsured, underinsured or the victim of a flood.