Michigan Auto Insurance

Bodily injury coverage on auto insurance helps pay for medical expenses, lost wages, and other damages resulting from injuries sustained by others in an accident for which you are at fault. This coverage not only protects your finances but also ensures that you can support the injured parties while fulfilling your obligations under the law.

Underinsured/uninsured motorist coverage provides financial protection if you're involved in an accident with a driver who either has insufficient insurance or no insurance at all. This coverage helps pay for your medical expenses, lost wages, and other damages, ensuring you’re not left with significant out-of-pocket costs due to someone else's lack of coverage.

Personal Injury Protection (PIP) coverage ensures that you receive immediate medical care and compensation for lost wages and related expenses if you're injured in an accident, regardless of who is at fault. This coverage provides essential financial support during your recovery, helping to alleviate the burden of medical costs and other related expenses.

Property damage coverage helps pay for repairs or replacement of another person's property that you damage in an accident for which you are at fault. This coverage ensures you are financially protected from the costs associated with property damage claims, allowing you to meet your obligations without significant out-of-pocket expenses.

Comprehensive coverage protects your vehicle from non-collision-related incidents, such as theft, vandalism, damage from natural disasters, and collisions with animals. This coverage ensures that you are financially safeguarded against unexpected events that can lead to costly repairs or replacement of your vehicle.

Collision coverage helps pay for repairs to your vehicle after an accident, regardless of who is at fault. Broadened collision coverage removes your deductible if the other party is at fault, providing you with enhanced financial security by ensuring you don’t have to pay out-of-pocket for repairs in those situations.

A deductible is the amount you agree to pay out-of-pocket before your insurance coverage kicks in for a claim. Choosing a higher deductible can lower your premium, but it means you’ll pay more upfront in the event of an accident, while a lower deductible results in higher premiums but less out-of-pocket expense when filing a claim.

Additional coverages enhance your auto insurance policy by providing protection for specific needs. Customization coverage ensures that any modifications to your vehicle valued over $1,000 are covered, while a $100 glass deductible applies to repairs or replacements for damaged windows and windshields. Rental coverage helps pay for a rental car if your vehicle is in the shop due to a covered claim, and rideshare and food delivery coverage extends your protection when driving for services like Uber or DoorDash, ensuring you're covered while using your vehicle for business purposes.