Auto Insurance In Michigan

Having auto insurance is essential in making sure that you are financially covered in case of an accident. However, Michigan has very complex rules and regulations regarding auto insurance. That's why you need a knowledgeable local agent at Curtis Insurance in Frankfort, MI to help you understand what coverage option you need, and which ones are mandatory.

Having auto insurance in Michigan is mandatory. Failure to obtain it could cause you to face penalties such as license suspension, license plate cancellation, and fines. Michigan is a no-fault state, which means that in the event of an accident, auto insurance pays for damages and injuries regardless of who's at fault. Compulsory coverage options include:

  • Liability: Drivers must have two forms of liability coverage, which include bodily injury and property damage coverages. Bodily injury covers certain expenses if you are legally held responsible for causing bodily injuries to someone. On the other hand, property damage covers certain damages you may cause to another party's property during an accident.

  • PIP or Personal injury protection: Regardless of who sustains injuries after an accident, PIP covers related costs such as medical expense, lost wages, household replacement services, and funeral expenses.

  • Property protection: Regardless of who causes the accident, property protection coverage covers damages towards buildings, properly parked vehicles, fences, and other stationary structures.

Several other coverage options are smart to have. They include:

  • Comprehensive: When physical damage is caused to your car due to non-collision incidents, comprehensive coverage caters for the cost of repairs/replacement.

  • Collision: Collision coverage covers physical damage caused to your car due to a collision. The amount of coverage you get depends on the type of collision option you chose, which could be broad, standard, or limited collision.

Keeping state laws in mind, Curtis Insuranace in Frankfort, MI can show you the level of coverage that fits your unique situation.