Michigan Car Insurance, Understanding Michigan Car Insurance.

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Understanding Michigan Car Insurance:

Michigan is one of the few states that implement a no-fault
insurance program. They implemented this Michigan car
insurance program to keep insurance rates at a minimum.
Michigan no fault is also in place to keep individual lawsuits at a
minimum and allow the insurance companies to settle on a higher
level, keeping individual expenses lower. The main part of this
program is that Michigan drivers are required to carry PIP
coverage in order to legally drive on the public roads. The goal of
keeping Michigan car insurance rates at a minimum didn't exactly
work out. Our goal is to equip you with comprehensive knowledge
in regards to Michigan car insurance commonly known as
Michigan No Fault. We are going to break down the coverage in
simplified detail in the following paragraphs.

Michigan No Fault doesn't necessarily mean that you can't go back
on the other driver for damages. There are a couple of
circumstances where you can indeed go back on the at fault driver
for damages. Michigan car insurance has what is called a
Mini-Tort provision that allows a Michigan driver to receive
reimbursement up to $500 for damage to their vehicle if the other
driver is more than 50% at fault. The other case deals with
medical treatment and what is known as pain and suffering. If the
medical expenses exceed a certain limit or the accident was
severe enough the negligant driver may be held liable for
damages even in the Michigan No-Fault State. This is where the
proper Liability Coverage is so important.

Bodily Injury Liability coverage, covers damages to the victim, or
Not-At-Fault driver. The state minimum limits are 20/40/10. This
means the insured would be covered for $20,000 per person in the
accident, $40,000 for the whole occurrence (meaning every
passenger not at fault in the accident that was severely injured)
and finally, $10,000 for property damage coverage. (such as a light
post, or telephone pole) Michigan minimum requirements usually
don't provide enough coverage to protect the insured and leave
them liable for expenses to come out of their own pockets. It is
recommended to consult with an insurance professional to
determine how much Bodily Injury Liability is needed on a case to
case basis.

Even though you must carry the minimum Michigan car insurance
limits, there are a high percentage of individuals that drive without
insurance. This is where Uninsured Motorist coverage comes into
place. This is the same as the Bodily Injury Liability, except if you
are the victim and the other driver doesn't have insurance your
company will take their place up to the limits you have pre-chosen.

Finally, there is Uninsured Motorist coverage. This simply protects
you in regards to liability coverage if you are a victim and the other
insured doesn't have the proper amount of coverage to protect
themselves. This is very affordable and is well worth the money.

Some Optional Coverages:
1. Comprehensive Coverage-provides coverage to your vehicle for
theft, vandalism, hail/windstorm, if you hit an animal and some
other non-collision instances.
2. Collision Coverage-provides coverage if you are in an accident.
There are 3 forms of collision
coverage.
-Broad Form- you pay your pre-chosen deductible only if you are
more than 50% at fault.
-Standard- you pay your deductible no matter who is at fault.
-Limited-provides coverage only if you are less than 50% at fault.
1. Car Rental Reimbursement-provides a daily amount to pay for a
rental car if the vehicle nonfunctional. (important to remember that
this covers only if a claim is being covered)
2. Towing/Labor-provides coverage if you need a tow, get a flat
tire, etc....