Spring Driving in Michigan: Navigating the Roads Under No-Fault Insurance Law

As winter's grip loosens and Michigan transitions into spring, drivers face unique challenges on the roads. Melting snow can lead to wet, slippery conditions, and the emergence of potholes can make driving more hazardous. Understanding how Michigan's no-fault insurance law applies during this season is crucial for all motorists.

Understanding Michigan's No-Fault Insurance Law

Michigan operates under a no-fault auto insurance system. This means that after an accident, your own insurance policy covers your medical expenses and certain other losses, regardless of who was at fault.

Tips for Safe Spring Driving

Stay Alert: Be vigilant for potholes and avoid swerving suddenly to miss them, which can cause accidents.
Maintain Safe Speeds: Wet roads can reduce traction; adjust your speed accordingly.
Watch for Animals: Especially during dawn and dusk, when wildlife is most active.
Observe Construction Signs: Follow posted speed limits and be prepared for sudden stops in work zones.

Under Michigan's no-fault system:

Vehicle Damage from Potholes: Repairs for damage caused by potholes are typically covered under collision coverage, which is optional. Without this coverage, you may be responsible for repair costs.
Accidents Involving Wildlife: Collisions with animals are usually covered under comprehensive coverage, another optional policy component.
Construction Zone Accidents: If you're involved in an accident in a construction zone, your PIP coverage will handle your medical expenses, but vehicle damages will depend on your policy's collision coverage..

By staying informed about Michigan's no-fault insurance laws and adjusting your driving habits for spring conditions, you can navigate the roads safely and ensure you're adequately protected.