Last Updated on July 20, 2025 by The Insurance Pros
🚗 Michigan Bodily Injury Liability Limits
With Michigan’s no-fault reform, understanding your bodily injury (BI) liability limits is more important than ever. This coverage shields you from financial losses resulting from lawsuits and medical claims if you cause an accident and injure someone. In 2025, state rules still allow you to choose your limits—but picking the wrong one could cost you.
🔎 What Is Michigan Bodily Injury Liability Coverage?
Bodily injury liability insurance helps cover medical costs, lost wages, pain and suffering, or legal fees if you injure or kill someone in a car accident. This protection applies if you’re found at fault. It doesn’t cover your injuries, just the other party’s.
📊 Michigan BI Limits: Minimum vs. Recommended
Michigan law sets a minimum but also encourages drivers to carry higher limits for more protection. If you want to go below the default limit, you must sign a waiver.
| Coverage Tier | Per Person Injury | Per Accident Injury | Property Damage (out of state) |
|---|---|---|---|
| 🚫 Minimum | $50,000 | $100,000 | $10,000 |
| ✅ Default (State Recommended) | $250,000 | $500,000 | $10,000 |
| 🛡️ With Umbrella Policy | $250,000+ | $1,000,000+ | $10,000+ |
📝 Signing the Waiver for Lower BI Limits
Michigan requires you to sign a formal waiver if you choose anything below the $250,000/$500,000 default coverage. You can review the official form from the Department of Insurance and Financial Services (DIFS) at
DIFS Bodily Injury Waiver Form.
💡 When Should You Add a Personal Umbrella Policy?
A personal liability umbrella policy gives you added protection beyond your auto policy limits. If you are at fault in a serious accident or if you are sued in another state, your umbrella coverage could protect your savings, home, and future earnings.
📥 Get a Quote & Choose the Right Coverage
Are you uncertain about the optimal coverage? Our licensed Michigan agents can guide you through the new rules and help you choose a policy that protects your lifestyle and future.
🚘 Get a Free Michigan Auto Insurance Quote
