Cross‑border traffic is a fact of life in the Upper Peninsula. If your crash touches Michigan and Wisconsin, the governing law can change your benefits and strategy. Here’s how. Fault vs. No‑Fault Systems Michigan: No‑Fault (PIP first; threshold to sue). Wisconsin: fault‑based (sue the negligent driver/carrier; no threshold for pain and suffering). Venue and choice‑of‑law […]
Michigan’s No‑Fault Auto Insurance — A Plain‑English Guide for U.P. Drivers
Michigan’s No‑Fault system speeds access to medical care and wage loss without waiting for a liability decision. After the 2019 reforms, you select your medical PIP level at policy purchase. Those choices matter when a serious crash happens on US‑41 or M‑35. Core PIP Benefits Choosing Your Coverage Level Unlimited PIP provides the broadest protection […]
What to Do After a Car Accident in Michigan’s Upper Peninsula
Car accidents in Iron Mountain, Escanaba, Marquette, Houghton, Hancock, or along US‑2 and M‑28 can unfold in seconds. Winter whiteouts, black ice, deer strikes, and long rural response times make the Upper Peninsula unique—and those realities affect both your safety and your claim. This guide covers the immediate steps to protect your health and your […]
