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Purchase Michigan No Fault Insurance From A Reputable Company

Posted on: December 10th, 2009 by admin


Michigan No Fault Insurance

If you live in Michigan you are required to purchase Michigan no fault insurance.  Every vehicle owner must purchase basic coverages if they plan on operating their vehicle.  Without proof of Michigan no fault insurance you won’t even be able to get license plates.  This article will provide you with a breakdown of the minimum coverages required by state law as well as the coverage options that you may want to consider purchasing.  Finally, I will provide you with a resource to help reduce the cost of your Michigan no fault insurance.

There are three parts of a basic no-fault insurance policy that you are required to purchase.  They are as follows:

Personal Injury Protection:  This part of the policy will provide coverage for medical costs that you may incur if you are injured in an auto accident.  It will also help make up for the wages that you will lose if you are unable to work for an extended period of time after the accident due to your injuries.  This portion of your policy will currently pay for lost wages for a period of up to 3 years.

 Property Protection:  This portion of your policy will provide up to $1 million in coverage for damage your car does in the state of Michigan to other people’s property, including a parked vehicle.

 Liability Insurance – Bodily Injury and Property Damage:  This portion of your Michigan no fault insurance policy provides protection if you injure another individual while operating your vehicle.  If you are sued this is the portion of the policy that the lawyers will be looking at.  The property damage that you select will provide you coverage for damage that you cause to property while driving outside of Michigan.

You may also want to consider purchasing the following coverages:

  1. Collision and Comprehensive Insurance
  2. Increased Liability Limits
  3. Increased Property Damage Limits
  4. Mini-Tort Protection

I hope that you have found this information useful.  Now it is time to begin your search for savings.  I encourage you to go online and fill out and insurance quote request.  Once you submit some basic information an independent insurance agency will shop multiple auto insurance companies on your behalf to find you the best rates.

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