It isn't much of a secret that Michigan auto insurance can be a touchy subject to some. For most Michiganders, driving is a necessity to commute to work, running errands around town, running your children to school, and for the long awaited family vacation. That is why it is so important to make sure our vehicles and precious cargo are always protected.
With so many nuances to the auto insurance in our state, it is important to have an insurance pro walk you through this process. Your Michigan auto insurance policy is a contract between you and your insurance company. When you pay your premium, the insurance company promises to pay for specific car-related financial losses during the term of the policy.
Michigan law requires that all drivers have no-fault insurance prior to driving or registering a vehicle. The coverage that is required includes:
Personal Injury Protection (PIP) - Pays medical costs if you or covered passengers are hurt in an accident. It also pays for lost wages, funeral expenses, and in-home care.
Residual Bodily Injury and Property Damage Liability -
Property Protection Insurance - Can pay up to $1,000,000 in property damage costs for things like buildings, trees, road signs, etc.
Optional Coverages Available
In addition to the required coverage above, you also have many options to customize your personal auto policy. These include:
Collision
Comprehensive
Roadside Assistance
Rental Reimbursement
New Car Replacement
Accident/Ticket Forgiveness
Bodily Injury Caused by an Uninsured/Underinsured Auto
And many more options depending on each insurance company...
