Auto Insurance Michigan

Property and bodily liability can protect you from huge expenses if you're ever in an accident that you cause. The damage you do to another person's car or other property is covered by property liability. Insurance analysts recommend when getting auto insurance in Michigan to have at least $50,000 of this protection. Bodily liability pays for treating injuries you cause to others as well as your legal expenses if you're sued. It's suggested you get a minimum of $100,000 coverage per person or more, if your net worth is greater than a few hundred thousand dollars.

To protect against accidents caused by another driver who has insufficient insurance, there's uninsured or underinsured driver coverage. This will handle your bills that the other driver's insurance doesn't cover. The usual recommended amount of this coverage for auto insurance in Michigan is $50,000 or more.

Unlike liability, collision and comprehensive coverage aren't required for auto insurance in Michigan. And if your car no longer has much value, you can eliminate the coverage. But for most people, the way to save is to have the highest affordable deductible. You'll save substantially with a $500 or $1000 deductible instead of the minimum.

Another possible way to save on your premium is the coverage you get for personal injury protection. Most health plans offer similar protection for your medical treatment if you're in an accident. Auto insurance in Michigan is required to include some medical coverage, so if you already have sufficient protection, you can carry a minimal amount to take care of your passengers' treatment expenses.