If you’re a Michigan driver, you’re required to have auto insurance for every vehicle you own. You need to have proof of your insurance coverage in the vehicle to show to police officers upon request. Not having the required auto coverage can leave you vulnerable to fees and fines. If you need auto insurance in Michigan, call us at Halabicky Insurance Group in Brighton, MI.
Liability Coverage
Your coverage in the state must have at least a specific amount of coverage for each person who is injured. The policy must also have an amount for everyone who is injured in the accident. Then, there is an amount required for property damage. This is liability coverage though, and pays for someone else’s property damage. It can also pay for a legal defense for you if you get sued for the accident.
No-Fault Insurance
The state is a no-fault insurance state. That means that the coverage you have will pay for your medical costs and lost wages after an accident and even funeral costs if necessary. However, the property damage liability coverage won’t pay for the cost of damage to your property. For that coverage, you need to add collision coverage to your policy. This helps to keep you covered when there is damage to your vehicle from an accident. You may also want comprehensive coverage for the things that can happen to be in your vehicle while you aren’t driving it.
Get Your Insurance in Michigan
If you’re buying a vehicle or you want to change your existing insurance to a new company, we can help. We are happy to tell you more about this insurance and help get you started with a policy of your own. To find out more, call us at Halabicky Insurance Group in Brighton, MI.
