Should I Have Collision Insurance?

Car accidents are unfortunately common in Michigan, and even a relatively minor crash could result in extensive financial damage. Auto insurance policies protect you against having to pay out-of-pocket for losses that occur as a result. While the state requires all drivers to have a minimum amount of coverage, this serves to reduce personal injury liability and only covers a portion of the damages to the other driver’s car. To protect yourself and your investment in your own vehicle, Hartman Insurance Agency, Inc. recommends putting collision coverage in place.

Is Collision Coverage Required in Michigan?

Michigan motorists are not required to carry collision coverage by law. However, your car loan lender may require it. Even if not obligated to do so, having a collision policy helps to protect the money invested in your vehicle and can prevent you from having to pay out-of-pocket for repair or replacement costs.

Options for Collision Insurance in Michigan

Your vehicle is one of your biggest investments. You depend on it to get to and from work, as well as for running important errands for yourself and your family. It makes sense to ensure it is protected.

According to the National Safety Council (NSC), even a relatively minor ‘fender bender’ can leave you facing costs of up to $10,000 or more in terms of property damages. Purchasing collision insurance in Michigan is a smart idea, whether required to do so by a lender or not. There are three options available:

Discuss Your Options With Our Michigan Auto Insurance Agents

State laws dictate the amount of insurance required by drivers in Michigan but do not include collision coverage. This type of policy protects your investment in your vehicle and can prevent out-of-pocket costs due to a crash.

To discuss your options, reach out to Hartman Insurance. Our Michigan insurance agents have been proudly serving the needs of drivers in the Saline and Ann Arbor area since 1948. Call or contact our office online today.

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