Michigan auto insurance

Why you Need Michigan Auto Insurance

Each year, more cars and drivers are having accidents on Michigan highways, that is why the need for Michigan auto insurance is essential. With so many vehicles on the road, crashes will happen. Automobile insurance can be the difference between a minor inconvenience and a major hassle. But you need protection because it is mandatory in most states.

Michigan Auto insurance protects you by paying for damage or injury you cause others while driving your car, damage to your vehicle or injury to you or your passengers in your car from a crash, plus specific other occurrences, such as theft. Michigan requires auto insurance to drive on Michigan roads. Without protection, you risk having to pay the full cost of any injuries you cause or of repairing or replacing your car if there is damage from an accident.

Prior Insurance Requirements Under Michigan Auto Reform Law

Michigan Auto Insurance prior insurance requirements will change effective July 2, 2020.  Under the Michigan auto reform law:

  • Auto insurers can not refuse to prospectively insure
  • limit coverage available to drivers
  • charge a reinstatement fee for
  • or increase the premiums for automobile insurance for (an eligible person, as that term, is defined in Michigan code section 2103), solely because the person previously failed to obtain insurance.

Michigan Auto Insurance coverage requirements

Auto insurance requirements vary by state, but usually includes these coverages:

Liability: It pays for damages due to bodily injury and property damage to others for which you are responsible. Injury damages include medical expenses, lost wages and pain, and suffering. Property damage includes damaged property and loss of use of the property. If someone sues you, it pays your defense and court costs. State laws usually mandate minimum amounts, but higher limits are available.

Personal injury protection: Some states require this coverage, and it is optional in others. Pays you or your passengers for medical treatment resulting from a crash, and is also part of the no-fault coverage. It may also pay for lost earnings, replacement of services, and funeral expenses. State law usually sets minimum amounts.

Collision: This pays for damage to your car caused by a crash.

Comprehensive: This covers your car for theft and damage by causes other than collision, including fire, wind, flood, or vandalism.

Uninsured motorist: This pays damages when an insured person gets an injury in a crash caused by another person who does not have liability insurance or by a person a hit-and-run driver.

Underinsured motorist: This pays damages when a person has an injury from a crash caused by another person who does not have enough liability insurance to cover the full amount of the losses.

Other coverage, such as emergency road service and car rental is also available.

What you pay for insurance will vary by company and will depend on several factors, including:

  • What coverage you select
  • The make and model of the car you drive
  • Your driving record
  • Your age, sex, and marital status and
  • Where you live

Many people think of Michigan insurance as a necessary evil, but it can save your financial well-being from an unexpected loss.  To get a quote an Evaluate your current policy, click on the link to get a  Michigan auto insurance quote to help you save money on your auto insurance.