Auto Insurance in Dexter
If you buy a car, whether used or new, you need insurance to cover it. That is the law in Michigan.
An auto insurance policy is a contract between you and your insurance company that will protect you against financial loss in the event of an accident. The minimum amount of auto insurance coverage is $50,000/$100,000/$10,000. This means your limits for bodily injury are $50,000 per person, with a total maximum of $100,000 per incident. It also covers up to $10,000 for property damage.
While these are the minimums, you can get even more coverage. There are many types of auto policies to consider. If you need auto insurance in Dexter, Hartman Insurance Agency has years of experience and can guide you through the best coverage options.
Types of Auto Coverage
There are many types of auto coverage to consider for your ride. Here’s a look at some of them:
- Liability coverage. If you are at fault in an accident, liability insurance covers the costs of damage to another’s property and medical expenses for injuries. It typically includes bodily injury liability, which pays for the medical bills, lost wages, and legal fees if someone else is injured in an accident you caused. It also includes property damage liability, which covers repairs to another person’s property, like their car, fence, or building, if you are responsible for an accident.
- Collision coverage. This pays for repairs to your own car after an accident, regardless of who was at fault. This could be due to a collision with another vehicle or an object like a tree or guardrail.
- Comprehensive coverage. This covers damage to your car caused by non-collision events, such as glass damage, theft, vandalism, fire, natural disasters, or hitting an animal.
- Personal injury protection (PIP). This type of insurance covers medical expenses for you and your household members after an accident, regardless of fault. PIP may also cover lost wages and other related expenses.
- Uninsured/underinsured motorist coverage. This insurance protects you if you are in an accident caused by a driver who doesn’t have enough insurance or any insurance at all to cover your expenses.
- Rental reimbursement. This insurance covers the cost of a rental car while your vehicle is being repaired due to a covered claim.
- Roadside assistance. This coverage helps with towing, battery jumps, flat tire changes, and other issues that may cause your vehicle to become disabled.
- Gap insurance. This coverage pays the difference between your car’s actual cash value and what you owe on your loan or lease if the car is totaled.
Contact Our Dexter Auto Insurance Agency Today
Car accidents can lead to significant damages for you or your passengers. Make sure you have the right insurance coverage to provide for you and your loved ones financially.
Auto insurance is the law in Michigan. Hartman Insurance Agency can help you find custom solutions to meet your needs and budget. Contact an agent to learn more. Give us a call at (734) 999-4190 or fill out the online form.