Michigan Medical Malpractice Insurance

The Basics

Tort Reform

Michigan has a limitation or cap on non-economic damages in medical malpractice cases, which was set at $280,000 in 1993. The cap is adjusted for inflation each year and is now up to $433,400. In addition, the cap is increased to $774,000 in some cases such as permanent functional loss of limb, permanent cognitive impairment, or permanent loss of reproduction. There is no cap on economic damages for medical expenses or lost income. In an effort to reduce the number of frivolous claims Michigan has a mandatory review of all malpractice suits. A mediation panel reviews the case and gives a written evaluation to both sides. If either side rejects the panel’s evaluation and the case goes to trial and they lose, they must pay the opposing side’s costs.

181b5586f71e5316_640_michigan

Statute of Limitations

In Michigan a patient has 2 years from the date of the medical care or incident to file a medical malpractice suit. The state also allows for a claim to be filed within 6 months of the date of discovery or when the plaintiff reasonably should have discovered the problem, but this extension is limited to 6 years after the original incident. As with most states there are exceptions for minors; in most cases until the minor’s 10th birthday, and after that the 2 year limit applies.

Coverage for all medical specialties in Michigan.

Start now by requesting your no-obligation medical malpractice insurance quote. Lower premiums and access to “A++” rated companies are only a few clicks away.

Liability Limits

Michigan, like most states, does not have legally mandated minimum limits of liability coverage a doctor must carry. However, it is advisable for physicians to carry the standard $1M/$3M coverage limits.

Summary of the Michigan Medical Malpractice Insurance Market

Medical malpractice claims have steadily and consistently declined in Michigan for several years. The number of claims filed and the severity of payouts has decreased creating a favorable environment for physicians to practice medicine. In addition, insurance carriers see medical malpractice insurance profits in the state, which has pushed rates down and improved the availability of coverage. With competition, patient safety, and reforms Michigan’s insurance market should not see any significant changes in the near future.

Start Saving Now!

Fill out the form below to request your free, no-obligation quotes or call us toll-free at
(855) 857−8746 today.


  • We promise, your information is kept safe as we will never sell your information to any third parties.

  • This field is for validation purposes and should be left unchanged.

We promise, your information is kept safe as we will never sell your information to any third parties.

We are unfortunately unable to provide insurance for individual NPs, PAs, MAs, Technicians, Therapists and students.

Privacy Policy by TRUSTe

Why Choose eQuoteMD™ to Obtain Lower Premiums for Medical Malpractice Insurance in ?

  • Mutiple Rate Quotes

    Compare quotes between multiple companies in to find the lowest medical malpractice insurance rate.

  • Tail Coverage Policies

    Searching for tail coverage without the expensive cost? "Stand Alone" tail policies available at affordable rates.

  • Average Savings over 20%

    Physicians all over have saved money on their medical malpractice insurance premiums.

  • Every Specialty & Facility

    eQuoteMD™ can find new lower rates for every type of healthcare provider within the state of .

  • Quality Coverage Guaranteed

    No physician is turned away, regardless of their malpractice claims history. Obtain affordable coverage. Guaranteed.

  • Discounts Available

    Access dozens of discounts that can be offered and consistently secure the lowest rates available for physicians.

  • Personalized Service

    Our specialists are friendly, courteous and experienced. Receive the best advice and specifically tailored coverage for your practice's unique needs.

  • New to Practice

    No problem. First year physicians can obtain coverage and receive up to a 75% discount on their premiums.

  • Occurence or Claims-Made

    physicians may choose between occurrence or claims-made coverage malpractice polices.

  • Top Rated Companies

    eQuoteMD™ has established the largest network of A.M. Best's “A+” rated state licensed medical professional liability insurance companies to choose from.