Yes! Under Current Michigan Law unlimited medical coverage is required for all drivers. As a result, if you are at-fault in an accident you can only be sued for “pain and suffering” caused by serious injury, disfigurement or death.
With the new Auto Insurance Reform Law beginning July 2, you can also be sued for uncovered medical expenses of an injured person, in addition to “pain and suffering” caused by serious injury, disfigurement or death.
Example: An individual chooses lower medical expense coverage of $250,000 and later is injured in an auto accident. You are involved in the accident and determined to be at fault. If the other person has $1M of medical bills you can be sued for the $750,000 balance of uncovered medical expenses.
If you injure several people in an accident your liability exposure is even greater. (We suggest raising the liability coverage on your auto policy and/or adding an umbrella liability policy)
