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Auto Insurance Information

 What is Auto Insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to your car, such as, Comprehensive & Collision coverages.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage. (such as: other vehicles while parked, or buildings, fences, etc...)
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need Auto Insurance?

It's really all about protecting yourself financially.
  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, Michigan Law requires you to have at least some coverage.

What is No-Fault insurance in Michigan?

No-Fault Insurance simply means; your insurance policy will pay for damage to your vehicle while driving, and my policy will pay for damage to mine, regardless of who's fault the accident was. The goal, is to create lower costs and premiums, by avoiding expensive litigation over the causes of accidents. Under Michigan law, you are allowed to collect up to a maximum of $1000 from the at-fault party, for damage to your vehicle. This coverage on your auto policy, is also known as Mini-Tort.

Questions to ask your agent:

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

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