Every state has its own mandatory requirements when it comes to automobile insurance. There are things that you should know about when you go to get Michigan car insurance quotes. The better informed that you are the better equipped you are to be able to get your car insurance at a discount.
In order to get Michigan car insurance quotes from someone like this, you must first know what coverage you are required to have by law. In the state of Michigan it is mandatory to have a minimum of:
- Bodily injury liability in the amount of $20,000 per person for each accident and a maximum of $40,000 for each single accident.
- Property damage liability in the amount of $10,000
- Property protection insurance in the amount of $1 million
- Personal injury protection to cover your medical bills and your wages that may be lost if you are unable to work.
Michigan is a no-fault insurance state and as a result it will provide you and family members with an unlimited amount of coverage for life for any medical bills that arise as a result of a ca accident no matter whose fault it is. The personal injury protection coverage encompasses wages that have been lost, rehabilitation, and up to $20 a day for replacement services for a period of up to 3 years.
The $1 million in property insurance will pay for any damages that you do to someone else’s property but not to their car. It will pay for damages to a building or a fence and it will cover cars that your vehicle may have come in contact with but were not involved directly in the accident. They may have been parked on the side of the road and were inadvertently hit.
Michigan has a mini-tort provision based on the no-fault insurance program. If you are more than half at fault for an accident that damaged another vehicle that is not covered completely by the owners insurance you might have to pay towards the damages up to $1,000.
It also gives you the ability to sue another person if the other driver in the accident is more than half at fault for the damage to your car and it is not totally covered by your own insurance. Make sure that you discuss all of these options with your agent when you are ready to get Michigan car insurance quotes.