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• MI Auto Insurance

Michigan Auto Insurance Information, Quotes & Rates

It’s important to Compare Michigan Auto Insurance Company Rates

There is a good chance that you are paying a higher monthly auto insurance premium then you need to be paying. The factors that affect your insurance are always shifting and state laws are always changing, so you may be paying for coverage that you do not really need or you might be paying for coverage that does not adequately protect your assets.

Make sure you are up-to-date on Michigan minimum liability requirements. When you are sure of what you need, you’ll be able to purchase the cheapest auto insurance policy available that fulfills the legal requirements of Michigan and won’t leave you underinsured when you most need it.

At Auto Insurance Planners, we want to help you make sure you have the best possible insurance policy for the cheapest available price. We supply you with information on laws, optional coverage, tips and advice, and best of all …a free online quote tool so that you can do side-by-side comparisons of Michigan insurance company policies. You should be able to get a cheap car insurance premium in no time.

Michigan auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Is Michigan a No-Fault Liability State?

Yes, Michigan follows what is known as a no-fault liability system. A no-fault system does not require that a person be held responsible for causing an accident and will reimburse a policyholder without proof of fault. A no-fault system will usually restrict the right of a driver to seek compensation through the civil justice system.

Personal Injury Protection insurance is required in Michigan.

Personal injury protection is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault.

Is Uninsured/Underinsured Motorist Coverage (UIM) required in Michigan?

No, but an uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In Michigan, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

While these are the minimum required liability limits, it is usually considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your Michigan auto insurance rates.

Click for more information about Michigan auto insurance quotes.