If you are the owner or registrant of a vehicle required to be registered in Michigan, then you are required by law to carry a no-fault automobile insurance policy.  Required coverages include bodily injury/property damage (BI/PD), personal injury protection (PIP), and property protection insurance (PPI).  These required coverages do not pay for damage to your vehicle nor do they cover theft.  If you want your insurance company to cover damage to your vehicle or to cover theft, you may choose to carry collision coverage and/or comprehensive coverage.