Auto Insurance in Tecumseh
Buying a new (or used) car can be exciting, but such a purchase comes with a lot of responsibility and expenses. Not only are you paying for the vehicle, but also gas, maintenance, and, of course, insurance.
All passenger vehicles, vans, and light trucks must be insured in Michigan. The law requires it. In fact, you cannot even register your vehicle until you purchase an insurance policy. If you drive without insurance, you can face misdemeanor charges. You may get your license suspended and be required to pay fines.
Many people risk driving without insurance because of the cost. Yes, insurance can be a huge expense, but having adequate coverage also gives you peace of mind in the event of an accident. A car crash can happen at any time and cause damage to your vehicle as well as injuries to you or your passengers.
Coverage options vary by driver and car. You do not have to overpay for insurance. Discuss your option with a Tecumseh agent from Hartman Insurance Agency. Our team has decades of experience and can guide you on the best coverage options.
What is Required?
Michigan requires drivers to have a lot of coverage. The minimum requirements include:
- $50,000 in bodily injury liability per person per accident
- $100,000 total bodily injury liability per accident
- $10,000 in property damage liability per accident
Because Michigan is a no-fault state, you are also required to carry additional types of coverage, including personal injury protection (PIP) and property protection insurance (PPI).
What Other Options are There?
The coverages listed above are the bare minimum. You can certainly purchase more coverage, and it is recommended that you do so.
Uninsured motorist coverage is a good policy to have. While all Michigan drivers are legally required to have auto insurance, many do not. In fact, a whopping 25% of drivers do not. This means when an accident occurs, there is no insurance to cover damages unless you have uninsured motorist coverage. This will cover your damages if you are hit by an uninsured or underinsured motorist who does not have enough coverage. It also covers hit-and-run accidents.
You should also consider collision coverage, which reimburses you for damage to your car from a collision 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 a deer or other animal. Collision and comprehensive coverages are mandatory if you are leasing or making payments on your vehicle.
Contact Our Tecumseh Auto Insurance Agency Today
There are many types of auto insurance available. You need to make sure you have the right policies and adequate coverage to meet your needs.
Need help making the right decisions? Contact a Tecumseh insurance agent from Hartman Insurance Agency today to get a quote. Fill out the online form or call (734) 999-4190.