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Atlas Insurance Agency

520 E. 4th Street
Royal Oak, MI 48067

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Types of Auto Insurance Coverage: What Do You Really Need?

If you own a car, you know that car insurance is a necessity in Southeast Michigan. However, with so many types of auto insurance coverage, it cannot be easy to understand which ones you need. Atlas Insurance Agency explains the different types of car insurance coverage, what they include, and what you need to know to make an informed decision.

Types of Auto Insurance Coverage

Liability Insurance

Liability insurance is the most basic form of car insurance and is required in Michigan. This type of insurance protects you in case you cause an accident and someone is injured or their property is damaged.

Collision Insurance

If you get into an accident, collision insurance will cover the cost of repairing your car, regardless of who is at fault. However, you must pay a deductible before the insurance company starts covering the expenses.

Comprehensive Insurance

Comprehensive insurance covers damage caused by incidents other than accidents, including theft, vandalism, fire, severe weather, and falling objects.

Personal Injury Protection (PIP)

PIP is an insurance that pays for medical expenses and lost wages if you or your passengers are injured in an accident without considering who caused the accident. The requirement for PIP insurance varies by state. It is mandatory in Michigan.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage can be helpful in case of an accident with someone who doesn’t have insurance or enough insurance to pay for damages.

We Are Here To Help

Understanding the different types of car insurance coverage is essential to ensuring that you have the right protection in Southeast Michigan. Contact Atlas Insurance Agency today if you have questions about which coverage to buy. Remember, auto insurance is an investment in your peace of mind and financial security.