Coverage type	State requirements
Bodily injury liability Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.	Minimum of $50,000 limit per person/$100,000 limit per accident. Policyholders who request a limit less than $250,000 per person/$500,000 per accident will be required to provide a signature certifying that they want a lower coverage limit.
Property damage liability Helps cover expenses related to the damage to vehicles that you are legally liable for.	$10,000 limit
Uninsured motorist Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.	Not required
Underinsured motorist Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.	Not required
Personal injury protection If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.	Medical coverage options available range from no coverage to unlimited coverage. The options available for each person depend on the type of health coverage a person has, and what is best for their needs. Other non-medical coverage is available for work loss, necessary services, survivors’ loss and funeral expenses are still included in your auto policy, even if you choose no PIP medical coverage or limited PIP medical.
Collision Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.	Not required¹
Comprehensive Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.	Not required¹
Property protection Helps cover expenses related to the damage of buildings, parked vehicles and other stationary structures, regardless of who's at fault.	$1,000,000 limit

All coverages are subject to the coverage limits stated in your policy.

¹Although Michigan law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.