In Michigan, Personal Protection Insurance (PPI) is one of the required types of auto insurance that state law mandates drivers to carry. There are three basic parts to a Michigan no-fault policy that must be purchased and carried on every vehicle. PPI is one of the three mandatory coverages, the other two are personal injury protection (PIP) and bodily injury and property damage liability (BI/PD).

Property protection (PPI) provides protection if you cause damage to properly parked vehicles or fixed properties such as buildings or lampposts in the state of Michigan. Outside Michigan, your property damage liability insurance covers your legal liability for property damage.

Michigan’s minimum insurance limits:

  • $50,000 bodily injury liability
  • $100,000 BI limits per incident
  • $10,000 property damage

In addition, property protection insurance (PPI) limits are $1 million and Personal injury protection (PIP) limits match the total BI limits per incidents that you choose.

Property protection insurance coverage in Michigan to other people’s property, such as buildings, poles and fences. This type of coverage will also pay for damage your car does to other people’s properly parked vehicles. This is normally the only time a vehicle will be covered under PPI.

Michigan became a no-fault state in 2019, so if you get into a car accident, your own insurance policy will cover the cost of medical expenses and lost wages.

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Michelle Megna
Contributing Researcher

Michelle is a writer, editor and expert on car insurance and personal finance. She's a former editorial director. Prior to joining, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News.