In Michigan, Personal Protection Insurance (PPI) is one of the required types of auto insurance that state law mandates drivers to carry. Three essential parts to a Michigan no-fault policy must be purchased and carried on every vehicle. PPI is one of the three mandatory coverages: 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 incident 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 typically 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 insurance policy will cover medical expenses and lost wages.