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Michigan drivers can now reduce their automobile insurance
premiums by reducing the medical coverage.
However, drivers must make sure that the personal medical insurance
covers automobile accident-related injuries.
Prior to the change in the law, Michigan was one of the only states
requiring unlimited medical coverage included in automobile insurance policies.
Under the new law, an at fault driver may be sued for excess
medical expenses incurred over the lower limit that the injured person may have
selected. This is in addition to
non-economic damages which include pain and suffering, mental distress and
anxiety.
With the change in the law, mini-tort has increased to
$3000. This means that if you are less
than 50% at fault for an accident, the other driver can be sued for your
vehicle damage up to $3000. The prior
limit was $1000.
New minimum liability limits were also increased from
$20,000 to $50,000. You still have the
option to purchase higher amounts.
related matters, please call John Alexander at 248-290-5600 for a free
consultation via phone, zoom, or in person.