Since June 30, 2023, Michigan drivers have been prohibited from holding or manually using a phone behind the wheel. More than three years in, plenty of drivers on I-96, US-23, and Grand River still aren’t sure where the line is, or how the law can affect an insurance claim after a crash.
The Rules at a Glance
Generally Not Allowed
- Holding a phone with your hands, arms, or shoulders while driving
- Texting, calling, scrolling, or watching video on a handheld device
- Using your phone at a red light or while stopped in traffic
Generally Allowed
- Voice-operated or hands-free use
- A single touch to activate a function on a mounted phone or built-in system
- Contacting 911 or emergency services
- Using your phone while legally parked
Holding a phone is a primary offense, which means an officer can stop you for that reason alone.
Where the Law Meets Your Auto Claim
Michigan’s no-fault system still pays your own PIP benefits regardless of fault, but fault matters in other parts of a claim. It can affect whether an injured person can pursue the other driver for damages, and it plays a role in mini-tort claims for vehicle damage. Evidence that a driver was using a phone at the time of a crash can weigh heavily in those fault decisions, and the law increases penalties when a violation is tied to a crash.
A Note for Families With Teen Drivers
Michigan’s Kelsey’s Law goes further for drivers with a Level 1 or Level 2 graduated license. They generally can’t use a phone at all while driving, even in hands-free mode. Review these rules with new drivers before adding them to a family policy.
Staying Protected on the Road
Distracted drivers are a reason to review liability, collision, and uninsured motorist coverage. Our post on daily commuting risks covers traffic exposure.
Williamson Insurance Agency in Brighton, MI can review your auto insurance and explain how fault rules apply. Policy details vary, and an attorney can help with injury claims. Drivers in Brighton, MI and across Livingston County can reach out to Williamson Insurance Agency anytime.
