Auto Insurance in Michigan
If you’re upgrading your vehicle this year, don’t forget to update your auto insurance policy. Depending on the vehicle you buy, you may want to increase your coverage to get optimal protection in the city or on Michigan highways. At Atlas Insurance Agency in Royal Oak, MI, we can provide you with the auto insurance coverage you desire. Here are some coverage options to consider when purchasing your auto insurance policy.
No-Fault Insurance – Mandatory Coverage in Michigan
Michigan requires that all drivers have no-fault auto insurance that offers the following:
- Personal injury protection (PIP) to cover your medical expenses in an accident
- Property protection insurance (PPI) to pay for damage you may cause to fences, buildings, parked vehicles, etc. in an accident
- Residual liability coverage to pay for medical expenses or property damage you cause to other drivers in accidents that are your fault.
All car owners are required to have no-fault insurance when registering their auto.
Optional Auto Insurance Coverage for Michigan Drivers
In addition to no-fault insurance, you’ll want coverage to protect your vehicle in the event of an accident. Collision, comprehensive and uninsured/underinsured motorist (UM) coverage offer the protection you need.
Collision coverage helps pay for repairs to your auto if it’s damaged in a crash.
Comprehensive pays for repairs caused by inclement weather, falling objects, vandalism, and other non-collision incidents. It also protects you against vehicle theft by covering its current market value.
Uninsured/underinsured Motorist (UM) insurance protects you against hit-and-run drivers and drivers who have insufficient insurance to pay for your medical or property damage costs.
Customized Auto Insurance
By customizing your auto insurance policy, you can obtain the essential protection you need without paying for needless coverage. This can help you save money on your policy. You can also take advantage of auto insurance discounts to reduce premium costs without compromising on coverage.
For quality auto insurance at affordable costs, contact Atlas Insurance Agency located in Royal Oak, MI.