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Michigan Farm Bureau Family of Companies

Insurance Basics for New Drivers

Common Insurance Questions

What is No-Fault Insurance?  

Michigan's no-fault insurance is required by law and took effect in 1973. After an accident, generally your no-fault insurance policy covers you (medical expenses, wage loss, replacement services, etc.) and the other driver's policy covers them.  


What Insurance Coverages are Mandatory?  

The basic no-fault policy requires all Michigan motorists to have at least three policy coverages. These mandatory auto coverages are Personal Injury Protection, Property Protection, and Residual Liability.  


What Coverages Are Optional?  

Insurance companies offer several optional coverages as part of the no-fault insurance policy. You may want to consider having more coverages such as Comprehensive and Collision or UM and UIM.  


New Driver Insurance Q & A's

Looking to add a new driver to your auto insurance policy? Contact an agent to learn more about your coverage options.