Michigan, like all states, has very specific laws about how much and what kind of auto insurance its vehicles have. If you drive in Michigan, you need at least the minimum amount of coverage decreed by the state. But, you can generally add on more insurance coverage to be better protected. If you need auto insurance in Michigan, give us a call at U.P. Insurance Agency Inc. in Negaunee, MI to talk to an agent about your insurance needs.
Bodily Injury Liability
There are two minimum amounts of this type of coverage required in the state. One amount is for one person who is injured in an accident that you cause. The other number is the amount available for more than one person who is injured. These liability coverages pay for someone else’s injuries when you have an accident that is your fault. While you have to have the minimum amount, you are free to add more coverage to your policy.
Property Damage Liability
This type of coverage pays for the damage done to another vehicle, or building, in an accident that you cause. This coverage minimum is relatively low in Michigan, so it’s often recommended that you add some insurance protection to this policy.
Personal Injury Protection
This type of coverage is for your own injuries if you are in an accident. This will pay for your medical bills no matter who is at fault. Michigan requires a large amount of this insurance, so you are less likely to need to add any onto this coverage. However, there are other options for you if you are either a Medicare or Medicaid recipient. You may be able to waive this completely, or you can choose a lesser amount of coverage.
Michigan Auto Insurance
If you’re in need of auto insurance in the state, call us at U.P. Insurance Agency Inc. in Negaunee, MI.
