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Michigan Auto Insurance Laws Required Minimum Bodily Injury Coverage $20,000 per person injured in any one accident and $40,000 for all persons injured in any one accident. Required Minimum Property Damage Coverage $10,000 for injury to or destruction of property of others in any one accident. Optional Insurance Coverage Personal Protection Insurance Benefits. These benefits cover the insured
and the insured’s passengers for medical expenses and work loss. Insurance
companies are required to offer medical benefits between $1,750 and
$5,000 per person and work loss benefits of 85 percent of wages for
3 years, but not to exceed $1,000 per month.
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