Michigan Auto Insurance
Each state requires drivers to have specific kinds of auto insurance in order to better protect them on the road. In Michigan, motorists have to have bodily injury and property damage liability along with personal injury protection.
Bodily injury liability is useful when you cause a wreck that injures another party. With this protection, the injured person's medical, rehabilitation, or funeral costs can be covered up to your policy's maximum limits. Property damage liability works similarly in that it covers any damage you cause to another person's vehicle or other property – again, up to your policy's maximum limitations.
Any liability costs that exceed your policy's coverage will have to be paid out of pocket as you're still responsible. Because of this fact, it's often a best practice to go above the state-required minimums. In the Wolverine State, the minimum liability limits are:
- $20,000 for bodily injury protection per person
- $40,000 for total injury protection per incident
- $10,000 of coverage for property damage
The final mandatory portion of insurance is personal injury protection. This is nicknamed 'no fault' coverage because it can pay for medical attention you need if you're injured in a wreck, despite who caused it.
To determine the best course of action as far as amounts of coverage you should have on your policy, contact a HomeInsurance.com representative. He or she will help you find the best coverage options for your needs.
Available discounts for drivers in Michigan
Discounts vary by provider. But if you're a motorist in the Great Lake State, you could be eligible for:
- Homeowner discount.
- Good student discount.
- Multi-car discount.
- Multi-policy discount.
- Safety devices discount.
- Good driving discount.
For a full rundown of discounts and coverage options, call a HomeInsurance.com agent today. He or she will give you advice on which affordable policy fits your individual needs.