When you are considering which Michigan state auto insurance company you are going to go with, it's important that you keep your options open. This article will help you to understand what you can do to start finding out more about what you're options are and how to properly select an insurance company so you can feel secure in the knowledge that when the unexpected happens, you will be ready for it.
In Michigan, you are required to have no-fault insurance. In order to officially register your vehicle in the state of Michigan, you must first get at least the basic coverage for your car. It's illegal to drive without no-fault insurance, and there are 3 basic parts to this basic package. The first part is personal injury protection, which means that if you become injured in a car accident, it will cover all of your medical expenses. It also pays up to a certain amount the money you would have made if you weren't injured for up to 3 years.
The second part to basic no-fault coverage is the property protection insurance, which is there to pay up to 1 million dollars in damage that you do to someone else's property. This also covers damage that is done to someone's properly parked vehicle.
The third and final part to no-fault insurance is the residual liability insurance bodily injury and property damage or BI/PD. This protects the person who is driving the vehicle from being sued, except in special circumstances. You should know some of the situations in which you could be sued, such as if you cause an accident that leads to someone's death or serious injury. You can also be sued if you get into an accident in another state. Michigan state auto insurance is another important thing to learn about, because the more you know the better you will be in control of all types of situations when you are driving.
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by ScottJByers
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