Smarter, Safer Driving Starts Here.

Driving in Michigan means staying informed on some unique regulations. Here’s what every driver should know:

• No-Fault Insurance
  You must carry valid no-fault insurance to drive legally in Michigan. This coverage pays for your own injuries and expenses, regardless of who caused the accident.

• Hands-Free Law
  Holding a phone while driving is illegal. Use hands-free devices or stay fully focused.

• Graduated Licensing
  Teens earn driving privileges in phases. Parents should know these levels and their restrictions.

• Right-of-Way Rules
  Always yield to pedestrians in crosswalks, and know when cyclists and other drivers have priority.

• Seat Belt Enforcement
  Michigan is a primary seat belt state. You can be pulled over solely for not buckling up.

Staying calm and taking the right steps can make all the difference:

• Check for injuries and call 911 if needed.
• Move to safety if possible.
• Exchange contact and insurance info.
• Take clear photos of damage and the scene.
• Don’t admit fault. Just state facts.
• Report to your insurer and file a police report if required.
• Seek legal advice to understand your rights and options.

Avoid dangerous situations before they happen:

• Put the phone away.
• Use the 3-second rule for safe following distance.
• Slow down in rain, snow, or fog.
• Use turn signals early and clearly.
• Watch beyond the car in front of you.
• Assume others may make mistakes. Stay alert.

Support your teen driver with guidance and consistency:

• Practice often with calm, supervised coaching.
• Be a role model. Buckle up, avoid distractions, follow laws.
• Be honest about consequences from tickets to injuries.
• Teach them about insurance and responsibility.
• Explore Driving Edge resources together.

You should consider calling if:

• You or someone in your car was injured.
• Insurance is delayed or denying claims.
• You’re overwhelmed by medical bills or paperwork.
• A settlement offer feels low.
• You just want to know your rights.