Q: I’m going to start to compare auto insurance rates in Michigan, but I need to know what kind of coverage I need. What is it?

A: Michigan is a no fault state, which means that the amount of coverage you choose as you compare auto insurance rates in Michigan is going to be a little bit higher, although they say that no fault all in all makes the prices drop. You need no fault Michigan car insurance on your car no matter how much it is worth and no matter how often you drive it. Here are the coverages you need:

• Liability.

For liability coverage, you will need a total of $70,000. This breaks down into $40,000 per accident for injuries, $20,000 for individual injuries, and $10,000 for property damage. Liability coverage applies to damage which you have made, not damage done to you.

• Personal injury protection.

This protects you no matter where you’re at, whether you’re in your car, someone else’s, or just walking, so long as you are hit by a car or in a car accident. This is no fault coverage, and it will pay for medical bills, lost wages, and funeral expenses, among other things.