When you drive in Michigan, you are required to have auto insurance that conforms to the mandatory minimums put forth by the state. In Michigan, it is a no-fault state, meaning that each person gets their medical coverage in the event of an accident, even if the accident was someone else's fault. If you need auto insurance for your vehicle in Michigan, call us today at Mitten Heritage Fraternal Society of Insurance in Berville, MI to find out more.
Part of the required auto insurance in Michigan is your personal protection coverage. This is coverage for your medical bills that result from being in an auto accident, no matter whose fault it is. There is a high minimum for this required by the state.
Another required type of coverage is bodily injury liability as well as property liability. Bodily injury liability pays for someone else's medical bills if you cause an accident that injured one or more people. It requires at least the minimum amount for one person who is injured and a separate amount for everyone injured. The policy must also have property damage liability if you cause damage in an accident outside of Michigan. This pays for damage to the other vehicle. It is often recommended that you get more liability coverage than is legally required, as medical bills can be costly and add up fast.
The state of Michigan also mandates this type of coverage. It requires you to have coverage that pays to damage you cause to any property, such as parked cars, trees, buildings, etc., with your vehicle. It requires a high minimum amount of coverage, so there is generally no need to add more.
When you have a vehicle in Michigan, stay legal by having the right insurance on it. To find out more, give us a call at Mitten Heritage Fraternal Society of Insurance in Berville, MI.
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