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What should I do if I'm an out-of-state driver and I'm in an accident in a no-fault state like Michigan?
I'm from Ohio and traveled to Michigan. Another driver hit me and is at fault. I filed a third-party claim with their insurance company, but they told me they were liable for no medical bills and only $1,000 for property damage. What now?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Nearly all car insurance policies from the major companies will cover your medical bills with personal injury protection (PIP), which is a requirement in no-fault states. Your out-of-state policy should provide you with the minimum PIP coverage required in Michigan.
Your property damage is another matter. You can take the $1,000 and pay the rest out of pocket, or you can hire an attorney and sue the other driver for the rest.
Your
car insurance
provider should be helping you in this case because of the confusing differences between no-fault and tort (at-fault) laws in each state.Call your agent to ask what you should do. They’ll be more than willing to help you if it can offset some of their costs.”
View full answer
- Gregory R.
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