A Guide to Auto Accidents and Insurance for Michigan Motorists

A GUIDE TO AUTO ACCIDENTS & INSURANCE FOR MICHIGAN MOTORISTS MICHIGAN MOTORISTS VEHICLE CRASH STATS 284,049 AUTO ACCIDENTS IN 2011 SEVERITY GENDER of driver 42% 51% male 7% unknown 18.6% 02% female 81.2% county 29% & city 59% roads 12% U.S. & state roads interstate roads I property I injury damage I fatal ROADWAY type 52,487 INJURY ACCIDENTS IN 2011 SEVERITY AGE of Injured person 70% I reported or claimed 7% I mild to moderate 8% 25% 31% 27% 9% 23% O- 15 16-24 25-44 45-64 65. severe TYPE of accident 30% 28% 23% 8% 6% 5% single vehicle angle head side other/ unknown rear end on swipe WHAT YOU NEED TO KNOW ABOUT NO-FAULT INSURANCE LEGALLY REQUIRED COVERS DRIVERS REGARDLESS OF FAULT FOR EVERY DRIVER IN MICHIGAN • Medical expenses - 100% • Wage loss benefits - 85% up to 3 years • Property damage - $1 million maximum REQUIRED POLICY PARTS coverage • Personal injury protection • Property protection • Residual liability insurance PROTECTS DRIVER FROM BEING SUED EXCEPT UNDER EXCEPTIONAL CIRCUMSTANCES • Serious injury, permanent disfigurement, or death • Accidents that occur out of state MINIMUM COVERAGE REQUIREMENTS • $20,000 for an injury or death • $40,000 per accident • $10,000 property damage or with out-of- state driver/vehicle • Driver is 50% or more responsible • Damages up to $500 aren't insured out of state OPTIONAL ADDITIONAL COVERAGE PLANS COVERS FAMILY Gli MEMBERS LIVING IN A HOUSEHOLD • Collision - limited, standard, or broad form • Comprehensive • Limited property damage liability INFOGRAPHIC PROVIDED BY it Jay Trucks & Associates,PC Michigan's Lawyers for the Injured http://www.jaytrucksandassociates.com/ SOURCES http://www.michigan.gov/documents/msp/2011_Crash_Annual_Report_382773_7.pdf http://publications.michigantrafficcrashfacts.org/2011/2011MTCF_vol1.pdf http://www.michigan.gov/documents/cis_ofis_ip202_25083_7.pdf A GUIDE TO AUTO ACCIDENTS & INSURANCE FOR MICHIGAN MOTORISTS MICHIGAN MOTORISTS VEHICLE CRASH STATS 284,049 AUTO ACCIDENTS IN 2011 SEVERITY GENDER of driver 42% 51% male 7% unknown 18.6% 02% female 81.2% county 29% & city 59% roads 12% U.S. & state roads interstate roads I property I injury damage I fatal ROADWAY type 52,487 INJURY ACCIDENTS IN 2011 SEVERITY AGE of Injured person 70% I reported or claimed 7% I mild to moderate 8% 25% 31% 27% 9% 23% O- 15 16-24 25-44 45-64 65. severe TYPE of accident 30% 28% 23% 8% 6% 5% single vehicle angle head side other/ unknown rear end on swipe WHAT YOU NEED TO KNOW ABOUT NO-FAULT INSURANCE LEGALLY REQUIRED COVERS DRIVERS REGARDLESS OF FAULT FOR EVERY DRIVER IN MICHIGAN • Medical expenses - 100% • Wage loss benefits - 85% up to 3 years • Property damage - $1 million maximum REQUIRED POLICY PARTS coverage • Personal injury protection • Property protection • Residual liability insurance PROTECTS DRIVER FROM BEING SUED EXCEPT UNDER EXCEPTIONAL CIRCUMSTANCES • Serious injury, permanent disfigurement, or death • Accidents that occur out of state MINIMUM COVERAGE REQUIREMENTS • $20,000 for an injury or death • $40,000 per accident • $10,000 property damage or with out-of- state driver/vehicle • Driver is 50% or more responsible • Damages up to $500 aren't insured out of state OPTIONAL ADDITIONAL COVERAGE PLANS COVERS FAMILY Gli MEMBERS LIVING IN A HOUSEHOLD • Collision - limited, standard, or broad form • Comprehensive • Limited property damage liability INFOGRAPHIC PROVIDED BY it Jay Trucks & Associates,PC Michigan's Lawyers for the Injured http://www.jaytrucksandassociates.com/ SOURCES http://www.michigan.gov/documents/msp/2011_Crash_Annual_Report_382773_7.pdf http://publications.michigantrafficcrashfacts.org/2011/2011MTCF_vol1.pdf http://www.michigan.gov/documents/cis_ofis_ip202_25083_7.pdf