Entering the realm of auto insurance for the first time can be demanding. However, once you understand the fundamentals, deciding on appropriate coverage for your vehicle in Brighton, MI, becomes straightforward. Halabicky Insurance Group is here to help you comprehend what type of coverage is required and which ones you might want to consider.
Understanding Mandatory Insurance Coverage
In accordance with Michigan state law, drivers must have minimum insurance coverage in various categories: Personal Injury Protection (PIP), Property Protection Insurance (PPI), Bodily Injury Liability (BI), and Property Damage (PD).
Notably, Bodily Injury Liability requires coverage of a minimum of $250,000 per individual and $500,000 per accident for medical expenses if you are found at fault in an accident causing injury to others.
PIP offers reimbursement for injury-related expenses and lost wages. It also covers damage to stationary vehicles and tangible property within the state. Meanwhile, PD coverage safeguards you in case you cause damage to another party’s vehicle outside of Michigan.
Considering Additional Coverage
You may wish to include additional coverage in your policy depending on your circumstances. Comprehensive coverage addresses risks such as theft or damage caused by incidents other than a collision. Uninsured/Underinsured Motorist (UM/UIM) coverage covers medical and other costs when a driver with insufficient or no insurance coverage hits you.
Halabicky Insurance Group recommends opting for auto insurance with more coverage than state-mandated minimums. Our agents can assist you in deciding what coverage is best suited for your budget and help negotiate coverage amounts that will protect you, both in Brighton, MI, and beyond.
Don’t let auto insurance be daunting. Reach out to us today to set up an appointment.
