The State of Michigan requires every driver to have no-fault car insurance.
No-fault insurance means if you are injured in an accident your medical bills and wages lost are paid for you whether or not the accident was your fault. Michigan is one of twelve states that have no-fault insurance, but it also has one of the highest rates in the country.
"For you to not have to worry about an insurance company picking up those liability claims or you're in the hospital and you don't have to worry about, 'do I have medical insurance or do I have the correct medical insurance that's going to pick this up.' The car insurance is there for you," explains insurance account executive Tyler Gauthier.
The Michigan catastrophic claim is the same price for everyone and costs $189 a year.