With Locations in Sterling Heights and Almont, Michigan
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Do you have to have car insurance in Michigan?
Michigan’s No-fault Law states that No-fault Auto Insurance must be purchased for all vehicles that will be driven on the road. The minimum coverage mandate includes Bodily Injury Liability, Personal Injury Protection and Catastrophic Claims coverage. It is strongly recommended that for a nominal fee, Uninsured Motorist, Under-Insured Motorist and Mini-Tort protection be purchased as well.
What is PIP insurance?
PIP, or also known as Personal Injury Protection, is part of the No-fault mandated coverage under Michigan law. It provide medical coverage, loss of wages, attendant care and home services that may be needed if injured in an automobile accident. Depending on the benefits of a person’s own personal medical policy or work benefits, these coverages may be discounted.
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 or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- 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, many states require you to have at least some coverage.
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.)
To help navigate your coverage choices, depend on First Independent-Descamps, your “Independent Agent”, to not only fully explain these important coverages, but will find the best rates among the several insurance companies we represent. Call us at (888) 513-8784
to get started today.
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