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Michigan Car Insurance

Purchasing auto insurance is not as easy as it seems, especially if you move around a lot. Each state has different laws, rules and regulations that you have to follow. This can become confusing for people as not every state requires the same minimum insurance. To ensure you have the proper coverage with your current policy in Michigan, here are a few things you need to look at. Doing this will save you time and money in the future. You definitely want to have auto insurance if an accident does occur.

With 980 people killed in car accidents and one out of every 134 people injured in a car accident in 2008 alone, auto insurance is a must have for every Michigan driver. These statistics are very alarming and imagine the costs to the public if car insurance were not required. With rising health care costs, we have to protect people from uninsured drivers by making insurance mandatory. To do so, Michigan has enacted laws which will cover those involved in a traffic accident.

No-fault insurance is a requirement to register a car in Michigan. Without this coverage it is against the law to drive your car or allow it to be driven within the state. The three types of no-fault auto insurance you must have are personal injury protection (PIP), property protection insurance (PPI), and bodily injury and property damage insurance (BI/PD). The PIP covers your medical expenses following a vehicle accident. It also covers lost wages for up to three years if you can't work as a result of the crash. The PPI covers property damage inflicted by your vehicle. This covers the items you hit such as parked cars, mailboxes and fences. The third part of your no-fault policy protects you from being sued as a result of an accident. For this portion of your insurance, minimums are required. You must have coverage of $20,000 for someone who is hurt or killed in an accident, $40,000 for coverage if several are hurt or injured in one accident and $10,000 for property damage in another state. On your policy these will appear in the format 20/40/10. You have the option of purchasing additional insurance if you would like as you are responsible for any amounts of your policy coverage if sued.

As you can see, the cost of not having auto insurance in Michigan is much higher than the cost of purchasing a policy. Save yourself a lot of heartache in the future. Buy an insurance policy and know you are protected in the event of a car accident.




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Michigan Car Insurance

Although Detroit, Grand Rapids, Warren, Sterling Heights, and Lansing are the biggest cities in Michigan cheap car insurance rates vary from city to city and rates in Flint may or may not be different than Ann Arbor. Whether you live in Clinton, Livonia, Dearborn or some other city in Michigan take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Michigan.


 

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