Auto Insurance in Michigan
No fault auto insurance is mandatory in Michigan and helps cover the cost of injuries and property
damage sustained in auto accidents on the road. Taking into consideration that over 300,000 car accidents
occurred on Michigan roads in 2016 alone, having no fault auto insurance from Agency Advantage Insurance is a
smart way for residents of West Bloomfield, MI to protect their families.
What Does No Fault Insurance Entail?
Basic no fault auto insurance in Michigan consists of the following protection:
- Personal injuries
- Property damage
- Residual injuries/property damage liability
Personal injury protection (PIP) covers your medical expenses and that of your passengers
if you're involved in an auto accident, whether or not you were at fault. A serious
accident could put you out of commission for some time. Your PIP insurance can
replace as much as 85% of lost income (up to policy limits)
if you can't work due to injuries sustained in a car accident.
Property protection covers damages to other people's property such as a building, parked car, fence, etc.,
by your vehicle. This coverage, however,
doesn't extend to moving vehicles involved in an accident.
Residual injuries/property damage liability protects you against lawsuits if you cause an auto accident
in which any one of the following circumstances come into play:
- Your accident results in serious injuries or death to others
- Your accident involves a non-Michigan resident driving a non-Michigan registered car
- Your accident occurs out of state, and you're a registered Michigan driver
- You're at least 50% at fault, and your accident results in uninsured damages to someone else's car
Your residual insurance coverage may not only pay legal expenses of your lawsuit but may cover the cost of injuries or
property damage of others up to policy limits.
Optional Insurance Coverage
At Agency Advantage Insurance, we also offer additional auto insurance options to include collision, comprehensive,
uninsured motorist, and rental car coverage to protect your interests fully. Also, try our online rating tool
for quotes on home and auto insurance from the comfort of your home.
To learn more about auto insurance coverage and costs, contact our West Bloomfield, MI office today.
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