Michigan Auto Insurance Policies

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We have posted this excellent article by James Hyder that lays out the requirements for auto insurance in Michigan and the best way to shop for the cheapest quotes: (admin)

Michigan auto insurance is a necessity for individuals who live in this state. There are minimum requirements that each person must carry in order to drive legally. The requirements are easily achieved if you consult a car insurance agency. This is the ideal approach to getting the coverage that you need in the state of Michigan.

Fortunately, the resources are easily accessed on the Internet. Instead of spending hours visiting insurance agents and making numerous phone calls, people are flocking to their personal computers to find the information that they need.

Requirements for Michigan Auto Insurance

The state of Michigan required drivers to have bodily injury and property damage coverage. There is a minimum requirement for each type of coverage for consumers to purchase. Of course, you can always opt for more coverage in order to make sure that you are very well covered in case of an accident. However, the minimum is all that is required to stay legal in the state.

Bodily injury and property damage pays in the event that you are found liable for an auto accident. In Michigan, drivers who have adequate coverage are protected from being sued unless there are special circumstances in the incident. This is contingent upon the driver’s financial responsibility in getting the proper insurance.

The minimum coverage in the state of Michigan is 40,000 dollars for bodily injury for two or more people and 20,000 for one injured person in one single accident. Property damage coverage is also required and the minimum is 10,000 dollars for each accident.

While this is all that is necessary to drive legally, it may not be enough coverage to adequately cover you in case of a serious accident. It is a very good ideal to get additional insurance to make sure that you are well protected in the case of an unfortunate incident while driving.

An example of additional insurance is Residual Property Damage Liability Insurance. This coverage pays up to one million dollars for damage incurred in an accident to other people’s property. If you hit a parked vehicle, fence or other structure, this coverage will pay for the damages. Not every accident involves two moving cars so this is an intelligent addition to any Michigan auto insurance policy.

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