What is Property Protection Insurance, and why is it only in Michigan?
What does PPI cover?
Property Protection Insurance is a mandatory coverage option on every insurance policy in Michigan, covering accidental damage a driver causes to fixed or parked objects. The following are examples of circumstances resulting in a PPI claim:
- Damaging a fence
- Colliding with a building
- Rear-ending a parked car
How much PPI is required?
Michigan laws require all drivers to carry $1,000,000 in PPI coverage. Below are the total insurance requirements for car insurance in Michigan:
- Bodily injury: $20,000 per person
- Bodily injury: $40,000 per accident
- Property damage: $10,000 per accident
- Personal injury protection: unlimited
- Property Protection Insurance: $1,000,000
Michigan’s mandatory coverage levels exceed those of most US states. On average, it's nearly 83% more expensive to insure a vehicle in Michigan than in the rest of the US. This is primarily due to higher required levels of car insurance coverage, relatively high levels of insurance fraud, and low competition among insurance carriers.
Learn more about car insurance laws in Michigan.
- Additional Interest vs. Additional Insured: A Guide
- Bodily Injury Liability Insurance
- Car Insurance Renewals
- Car Insurance vs. Car Warranty: A Guide
- How to Read a Car Insurance Policy
- Proof of Insurance
- Property Damage Liability Insurance
- What Happens When an Insurance Company Closes?
- What is Permissive Use Car Insurance?
- Which Car Insurance Companies Do Not Use Credit Scores?
About The Zebra
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- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
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- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.