Auto Insurance in Manchester
Owning a vehicle is expensive. Not only is there the monthly loan payment, gas, and maintenance, but also insurance.
Auto insurance in Michigan operates under a no-fault insurance system. This means that each driver’s insurance company pays for their own policyholder’s medical expenses, lost wages, and other costs incurred in a car accident.
Need comprehensive auto insurance for your Manchester vehicles? It can be daunting to understand all the options available. The experienced team at Hartman Insurance Agency can help you decide the best auto insurance options for you.
No-Fault Insurance
Michigan’s no-fault law allows those involved in accidents to recover damages from their own insurance provider without determining fault. However, if you have a deductible, you may be able to recoup that from the other driver if they were at fault.
Personal Injury Protection (PIP)
PIP covers medical costs, rehabilitation, lost wages, and necessary services. Drivers in Michigan can choose different levels of coverage. Options include unlimited, $500,000, $250,000, or lower, depending on the circumstances.
Bodily Injury Liability (BI)
Michigan law requires drivers to carry BI coverage, which pays for injuries you cause to others in an accident. The minimum coverage limits are $50,000 per person and $100,000 per accident. Drivers can choose higher limits for better protection which is always recommended.
Property Protection Insurance (PPI)
Michigan mandates PPI coverage, which pays up to $1 million for damage your vehicle causes to another person’s property, such as buildings and fences.
Comprehensive and Collision Coverage
Collision coverage reimburses you for damage to your car from a collision. The crash can happen with another vehicle or object, like a tree or guardrail.
Comprehensive coverage protects you against theft and vehicle damage from hail, fire, weather, and other natural occurrences. Vandalism is also covered under comprehensive coverage as is glass breakage and collision with an animal.
Uninsured/Underinsured Motorist Coverage
This coverage is not required, but it is highly recommended, given that 20% of motorists in Michigan are uninsured. This is the fifth-highest percentage in the country. Uninsured/underinsured motorist coverage provides additional coverage for you if you’re involved in an accident with a driver who does not have insurance or enough coverage.
New Laws
Auto insurance reform came about in Michigan in 2020. The governor signed new legislation that required companies to reduce statewide average premiums for eight years. A new fee schedule for medical provider reimbursements was put into place. The goal is to control costs while maintaining access to care.
The legislation also mandated that insurance companies can no longer use certain non-driving factors to set rates. Fines have also increased for the insurance industry for violations of the law.
Contact Our Michigan Auto Insurance Agency Today
Auto insurance is the law in almost all states. If you have a vehicle, make sure you have adequate coverage.
Coverage options vary by driver and car. Speak to one of the Manchester insurance agents at Hartman Insurance Agency to help you find customized solutions to meet your needs. Schedule a consultation by filling out the online form or calling our office at (734) 425-6023.