Michigan Auto Insurance
"The Michigan no-fault system was adopted in 1973 to increase the level of benefits paid to injured persons, make sure such payments are made promptly, and reduce the proportion of premium dollars paid out for legal and administrative costs."Thank you for visiting our Michigan auto insurance quotes and information site. Finding Michigan auto insurance can take a lot of time and energy-but it doesn't have to be that way. InsureMe makes your search for auto insurance easy! We've contracted with hundreds of auto insurance agents throughout Michigan who want to help you get the policy you need, and will work to offer you the best price possible.
Take just a few minutes to give us a little information, and get on the road to the Michigan auto insurance you deserve today.
Michigan Auto Insurance: Your Questions Answered
Michigan requires drivers to license vehicles, maintain current driver's licenses, and carry no-fault liability auto insurance in order to operate a vehicle within the state. Although these requirements are mandatory, you do have a choice about the Michigan auto insurance company or agent you choose-and how much you pay for your Michigan auto insurance policy.
Michigan's no-fault auto insurance system is the most comprehensive in the nation. Three factors contribute to this uniqueness:
- Michigan is the only state in which unlimited medical, wage-loss and rehabilitation benefits are provided for up to three years following an accident- regardless of fault.
- Motorists in Michigan do not have the right to sue parties involved with them in auto accidents unless someone is killed or gravely injured.
- Unlike in other states, vehicle damage is included in Michigan's no-fault auto policies.
Why Buy Insurance?
There are several reasons why you should purchase Michigan auto insurance. The most significant reason is the financial and medical security buying auto insurance provides in case of an accident. In addition, purchasing auto insurance is state law, so if you own and operate a vehicle in Michigan without obtaining basic no-fault liability insurance, the consequences could be stiff-you could be sued and held personally liable if someone dies or is severely injured as result of your negligence while driving; you may be convicted of a misdemeanor and fined between $200 and $500, imprisoned for up to one year, or both; your license may be suspended for up to 30 days; or you could be held liable for any damages resulting from an accident which occurs during the period you were uninsured.
Driving in Michigan without auto insurance never pays. Don't put yourself or your loved ones at risk in this way.
Michigan Auto Insurance Requirements
Three required portions exist in a basic Michigan no-fault auto insurance policy. These include:
- Personal Injury Protection (PIP)-Pays your medical costs resulting from an auto accident.
- Property Protection (PPI)-Pays up to $1 million for damage your car does to someone else's property.
- Residual Bodily Injury and Property Damage Liability-Pays court costs and any damage for which you are responsible, up to policy limits, as a result of an auto accident. Minimum coverage limits are $20,000 per person, $40,000 per accident and $10,000 for property damage.
Michigan no-fault policies cover everyone in your household, so take this into consideration when comparing various policies and prices.
Other optional coverages include collision, comprehensive and uninsured/underinsured motorist. Talk to a qualified Michigan auto insurer to determine which, if any, of these coverages you need.
Auto Insurance Rate Determination
Michigan auto insurance companies use various factors to determine your auto insurance rates. Your age, the type of vehicle you drive, your driving record, claims history and location all play a vital role in the determination of your insurance premium. Michigan insurance companies set rates according to calculated risk levels, so a driver who has multiple tickets, lives in a high-crime area or drives an expensive automobile will likely pay higher rates than one who has no tickets or accidents, or who drives a less expensive vehicle or one that costs less to repair.
Questions You Should Ask
Knowing what questions to ask Michigan insurance agents, and becoming familiar with both mandatory and optional coverages, is vital in securing an appropriate Michigan auto insurance policy. Keep the following questions in mind when speaking with an auto insurance agent or company to ensure you get the Michigan auto insurance policy you need:
- Are you licensed in Michigan? How long have you/your company been selling auto insurance?
- How will factors such as my age and driving record affect my insurance rates?
- Do I need any additional coverage beyond state-mandated minimums?
- Do you offer any additional discounts I could take advantage of?
- Will raising my deductibles reduce my premium? By how much?
Reasons for Denial
The Essential Insurance Act guarantees that auto insurance is available to all eligible Michigan citizens. You are eligible for Michigan auto insurance if you register your car in Michigan and you have a valid Michigan driver's license. However, there are times when an auto insurance company may refuse to insure you.
You might be turned down for Michigan auto insurance if you've been convicted of insurance fraud within the past five years; convicted of a felony using a motor vehicle; driven under the influence of drugs or alcohol; failed to stop at an accident scene to render aid; been convicted of reckless driving; driven a vehicle which does not meet Michigan motor vehicle safety requirements; been charged with non-payment of past insurance premiums; had numerous traffic violations or accidents; or did not meet an insurance company's underwriting requirements.
If you have a question or problem…
Contact your local insurance company or agent. For further unresolved issues, contact the Michigan Office of Financial and Insurance Services at 877-999-6442, or log on to www.michigan.gov/ofis for help.
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