Michigan Auto Insurance Quote
Michigan Car Insurance – Compare Quotes on MI Auto Insurance
If you have a license to drive in Michigan and you need a car insurance quote, end your search right here. HelpInsure.Me has the adequate information you need to get you the best auto insurance coverage plan you need. A suggestion for smart shoppers: we recommend you read through this web page carefully, speak to a representative of the Michigan Department of Insurance at (517) 313-1820 to hammer out any questions you might have, and let HelpInsure.Me provide our comparison service to get you a car insurance protection policy you won’t regret.
Car Insurance State Law for Michigan
Michigan requires motorists to register vehicles, maintain driver’s licenses renewals, and carry liability auto insurance in order to own and operate a motor vehicle. Although these Michigan requirements are mandatory, they do give you a choice about the car insurance company or auto insurance agent you choose as well as how much you pay for your car insurance premium.
At this time, Michigan’s auto insurance no-fault system is among the nation’s most comprehensive plans. The three factors contributing to this uniqueness are:
- Michigan is the only state in where, regardless of fault, unlimited medical, rehabilitation and wage-loss benefits, for as many as three years after an accident, are completely provided for.
- Motorists in Michigan forfeit their right to seek litigation against parties involved in car accidents unless there is a fatality or severe injury.
- Unlike in the rest of the United States, automobile damage is inclusive in no-fault auto insurance policies in Michigan.
Michigan Minimum Car Insurance Requirements
Three required auto insurance coverage types exist in a simple no-fault auto insurance plan in Michigan. These are:
- Personal Injury Protection (PIP): Covers your medical expenses resulting from a car accident.
- Property Protection (PPI): Covers up to $1 million for any damage your vehicle does to some one’s property resulting from a car accident.
- Property Damage Liability and Residual Bodily Injury: Pays court fees and any subsequent damage for which you are liable, up to car insurance policy limits, as a result of a car accident. Minimum auto insurance coverage limits are $20,000 per person, $40,000 per accident and $10,000 for property damage.
No-fault car insurance policies cover everyone in your Michigan household, so take this under advisement when comparing various auto insurance policies and prices.