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Understand Michigan's Insurance Requirements
Personal Injury Protection (PIP) includes work loss and replacement services, and pays all medical expenses if you or other persons covered under your policy are injured in an auto accident. also called "No Fault" coverage, PIP pays medical expenses whether or not you were at fault.
Property Protection Insurance (PPI) pays up to $1 million for damage your car causes within the state of Michigan, to things like buildings, homes, fences and other personal or business property.
Residual Liability Insurance covers those situations when Michigan's no-fault law allows an injured party to sue. The minimums are 20/40/10, which is $20,000 bodily injury liability coverage for one person, up to $40,000 for all injuries in one accident, plus $10,000 property damage coverage for cars and other property, plus defense costs.
The Minimum Is Not Enough
Always buy UM/UIM coverage. 17% of Michigan drivers are uninsured, so we consider UM/UIM coverage a must-have. You should buy coverage in an amount that matches your residual BI limits.
Your no-fault policy does not cover your car. There are 3 types of Collision coverage available in Michigan: Limited Collision Coverage, Standard Collision Coverage and Broad Form Coverage. If you're more than 50% at fault, only Standard and Broad Form coverage will pay, minus your deductible. Our agents can explain the details.when you get a quote.
Keep Your Insurance Current
No insurance? No registration. If you own a passenger car, van, or light truck, you must purchase Michigan no-fault insurance before registering your vehicle. If you're moving to Michigan, an out-of-state insurance policy cannot be used to meet Michigan insurance requirements for vehicle registration. You'll need to update your coverage with a Michigan policy before you get new plates.Where Does My Premium Go?
Ever wonder how your premium payment is divvied up? Here's a ballpark sample based on an average Joe with an average policy.
Check Your Rates Every Year
Invest a little time. Save a lot of money. If you start with the information on your declarations page, it should take about 10 minutes to complete an online application for a quote. With rates as high as they are in Michigan, the time can be a great investment in making sure you have the right coverage at the right price. Start your auto insurance check-up now by comparing rates at Insurance.com.
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