Thats definetly wrong, New York is not a no fault state...

 

The more I find about michigan law the more pissed I am. Basically insurance their is a scheme to make it so no one can sue you as long as no one dies. You can recieve a maximum of $1000 in compensation for damages to your vehichle. When is the last time someones car was damged less than $1000? Don't worry about hitting someone cause you won't have ot pay more than $1000 AND you can keep your insurance. What the hell is that?!?! Sorry I think I'm done ranting now... but cmon that's retarded. One wonders if perhaps you can sue the state...

 

I agree with you, dumbest law ever, you can destroy someones car and owe them nothing.

 

My car is fully covered just due to me still owing on it, otherwise I would have limited liability right now. Reading this makes me just want to keep full coverage from now till the end of time.

 

I hate the car insurance laws in Michigan. From what my wife was told when insuring her and my daughters cars last month we pay some of the highest premiums in the country. She was also told that the rates are going to go up even higher.

 

The michigan laws focus on healthcare, so thats why they seem expensive.

 

Here are 3 links for NY (keep in mind that not all states have the same no-fault laws)

1. http://www.dfs.ny.gov/consumer/faqs/faqs_nofault.htm
2. Consumer Frequently Asked Questions - Automobile Insurance
3. No Fault Auto Insurance States and Laws - CarsDirect

New York
According to New York no fault insurance law, motorists are required to carry a minimum of $50,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) coverage, plus Under Insured coverage in the amount of $25,000.00 to $50,000.00 as well as Uninsured Motorist coverage in the amount of $25,000.00 to $50,000. This insurance coverage is called a 50-10-25 plan.
Additionally, to simplify the state's law associated with no-fault accidents, New York allows a motorist who is involved in an accident to recover certain costs associated with the incident. These entitlements include: coverage for medical expenses, lost wages, recoveries for pain and suffering and legal defense if the policy-holder is involved in a lawsuit resulting from an incident.




New York insurers further encourage motorists to purchase additional coverage based on a range of supplementary programs including:

• No APIP, no work loss. This program maintains the motorist's state-required PIP coverage with no additional coverage. Lost wages are not covered if the motorist's passengers are unable to work.
• No APIP, work loss only. Supplements the motorist's state-required PIP coverage with work loss coverage. If the motorist or one's passengers are unable to work due to accident-related injuries, work loss coverage helps recover lost wages, up to $2,000 per month, per accident.
• Out-of-state, no work loss. Extends the motorist's state-required PIP coverage to guest occupants. Lost wages are not covered if the motorist or his/her passengers are unable to work.
• Out-of-state plus work loss. Extends the motorist's state-required PIP coverage to guest occupants. This program supplements basic PIP coverage with work loss coverage. If the motorist or one's passengers are unable to work due to accident-related injuries, work loss coverage helps recover lost wages, up to $2,000 per month, per accident.
• Full APIP no work loss. Extends the motorist's state-required PIP coverage to guest occupants and increases the motorist's PIP coverage to a limit of $100,000. Lost wages are not covered if the motorist or one's passengers are unable to work.
• Full APIP plus work loss. Extends the motorist's state-required PIP coverage to guest occupants and increases one's PIP coverage to a limit of $100,000. Additionally, the program supplements the motorist's basic PIP coverage with work loss coverage. If the motorist or one's passengers are unable to work due to incident-related injuries, work loss coverage helps recover lost wages, up to $4,000 per month, per event.

 

Ditto, drive for others, not yourself. I follow this rule before anything.

 

I just feel like insurance laws shouldn't allow people to get out of paying for someones property they damaged. They can't even be sued for more than $1000 under michigan law. That is absoulutly the most rediculious thing I have ever heard. AND the rates are higher....

 

Might as well drive a scooter in MI, lol, granted its ALWAYS raining or something...atleast when I went with my family it was. I was like UGH lord.