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Some cars we help find coverage for:

Sedan
Hatchback
Convertible
SUV
Mini-Van
Sporty Car
Coupe
EV
Pickup
Station Wagon

REQUIRED BY LAW:

Michigan mandates that all drivers purchase four auto insurance coverages.

LIABILITY PROTECTION:

Shield yourself from liability for injuries, property damage, and lawsuits.

YOUR MEDICAL EXPENSES:

Ensure coverage for medical expenses for you and your passengers in case of an accident.

PROTECTION FOR YOUR AUTO:

The four required coverages in Michigan do not provide protection for damage or replacement of your vehicle.  To ensure coverage for your auto, Collision and Comprehensive coverages are needed.

Michigan Law Requires You to Purchase Four Auto Coverages:

Personal Injury Protection (PIP): 

Provides coverage for medical expenses of Michigan driver’s and their passengers, regardless of fault.  

In Michigan, each driver’s PIP covers their own medical expenses and those of their passengers, regardless of fault.   

If a Michigan driver is at fault in an accident involving a non-Michigan driver, their required Personal Injury Protection (PIP) coverage will also cover their medical expenses as well as those of their passengers. 

On the other hand, if a Michigan driver is NOT responsible for an accident involving a non-Michigan driver, the non-Michigan driver’s Bodily Injury Liability coverage will cover the Michigan driver’s medical expenses and those of their passengers.

Personal Protection Insurance(PPI):

Covers the costs of repairing or replacing a Michigan resident’s damaged property in an accident, regardless of fault.

This coverage extends up to $1 million for property damage, including buildings, fences, and properly parked vehicles.

PPI does not cover damage to the Michigan driver’s vehicle or their property.  To cover damages and repairs to your auto, the Michigan driver would need to purchase optional Collision and Comprehensive Coverages.

Bodily Injury Liability(BI):

Provides protection for injuries to people in other vehicles if the accident involves a non-Michigan driver.

This coverage pays for the medical expenses of others if a Michigan driver is at fault in an accident involving a non-Michigan driver.  BI coverage also extends to passengers in the non-Michigan driver’s vehicle, as well as pedestrians or cyclists who may be injured. BI includes compensation for medical costs, pain and suffering, and lost wages for the injured parties.

However, BI does not cover injuries sustained by anyone in the Michigan driver’s vehicle.  Injuries resulting from an accident are covered under the Michigan driver’s required Personal Injury Protection (PIP) coverage.

Personal Damage Liability (PD): 

Covers property damage, including vehicles, for non-Michigan drivers.

This coverage pays for the costs of repairing or replacing a non-Michigan driver’s damaged property if the Michigan driver is found at fault.   PD insurance covers repairs to their vehicles, buildings, and other damaged property. 

However, PD does not cover damage to the Michigan driver’s vehicle.  To cover damages and repairs to their vehicle, the Michigan driver would need to purchase optional Collision and Comprehensive coverages.

Optional Auto Insurance Coverages:

Collision Coverage:

Assists in covering the costs of repairing or replacing your vehicle after an accident, regardless of fault.

Example: While swerving to avoid a deer, you collide with a guardrail, resulting in $5,000 worth of damage to your car. With a $500 collision deductible, you’ll cover this amount.  Your insurance company will cover the remaining $4,500.

Comprehensive Coverage:

Provides protection against non-collision events beyond your control, such as theft, fire, vandalism and more.

Example: Your vehicle sustains $3,500 in damage from a hailstorm. With comprehensive coverage and a $250 deductible, your insurance company will cover $3,250 of the repair costs, while you’ll be responsible for the remaining $250 to get your car fixed.

Uninsured/Underinsured Motorist Coverage (UM/UIM):

Provides coverage for injuries and property damage resulting from an accident caused by a driver with little or no insurance.

Example: While jogging, you’re struck by an uninsured driver. Your injuries generate $25,000 in medical bills.  Fortunately, you have UM/UIM coverage with limits of $100,000/$300,000, ensuring that all your bills are fully covered within the policy limits. 

Rental Car Reimbursement:

Assists in covering the expenses of a rental vehicle while your car is being repaired following an accident.

Example: After the accident, your car needs extensive repairs and will be in the shop for a week.  You rely on your car to commute to work, so you need a temporary solution.  Fortunately, your rental car coverage offers a daily limit of $30 for up to 30 days.  As a result, you’ll receive $210.00 to cover the rental car expenses during this period.

Roadside Assistance Coverage:

Covers towing services if your vehicle breaks down for any reason.

Example: You’re physically unable to change a flat tire, and you need help. Fortunately, you have roadside assistance coverage with a $100 per tow limit, which pays to get your car to the nearest repair shop.

GAP Coverage:

If your car is stolen or totaled and you’re financing or leasing it, GAP coverage may cover the difference between what you owe on the vehicle and its actual cash value.

Example: Suppose your leased car is stolen.  At the time of the loss, the car’s actual cash value is assessed at $20,000, but you still owe $21,500 on your lease.  In this scenario, GAP coverage may cover the $1,500 difference between the car’s value and your lease balance.

Potential Savings to Explore:

Insurance discounts can differ depending on the insurance provider you select.  It is important to note that not all carriers offer the same discounts.

Student Discounts:

Good Student Discount:  Save by adding a full-time student maintaining a “B” average or better.

Distant Student Discount:  Savings for full-time students aged 22 years or younger living over one hundred miles from home and NOT having a car while at school.

Payment Discounts:

Pay in Full Discount:  Save by paying your entire auto premium upfront rather than making monthly payments.

Automatic Payments Discounts:  Receive a discount for setting up automatic payments from a checking account, credit card, or debit card.

Safe Driving Rewards:

Accident Forgiveness: Your first accident on your policy is waived after a set number of years without any at-fault accidents or violations.

Safe Driver Discount:  Your discount may vary from term to term based on your actual driving.

Diminishing Deductible:  Reduces your collision deductible over time for each claim free year.

Policyholder Savings:

Homeowner Discount:   Enjoy a discount for being a homeowner, regardless of whether your home is insured through your auto company.

Multi-Car Discount:  Enjoy savings when you have more than one car listed on your policy. 

Continuous Coverage Discount:  Some companies offer discounts based on the length of time you’ve been continuously insured with your previous insurer.

Online Savings:

Online Quote Discount:  Eligible for a discount when obtaining an auto insurance quote online.

Sign Online Discount:  Save by signing your documents online.

Paperless Discount:  Receive a discount by choosing to receive your auto insurance documents via email.

Flexi-Bundle™ & Save:

Flexi-Bundle™ Discount:  Combine up to four insurance products and select from up to four insurance carriers.

Frequently Asked Questions

You have two payment options:

Option 1:  Click the Carrier tab, scroll to locate your carrier. Most carriers accept online payments via check, credit card, or ACH.  Click on your carrier’s name and proceed to make your payment.

Option 2:  Click the Customer Center tab. Scroll down to find the Input1 icon. Input1 offers digital payment options, including ApplePay and eWallet.  Click on the Input1 icon, log in, and make your payment. 

Here are some things to consider when deciding whether to file a claim:

  • Was anyone injured in the accident?
  • Did you cause damage to someone else’s property or vehicle?
  • Is your car unsafe to drive?
  • Do the damages exceed your deductible?
  • Is the issue related to maintenance or normal wear-and-tear?

If you answered yes to one or more of these questions, it’s advisable to consider filing a claim. If you have further questions about the claims process, don’t hesitate to contact your insurance carrier directly.

Report The Claim by Phone:

  • Click on the Carrier tab.
  • Locate your insurance carrier.
  • Use the carrier’s claims phone number to report the claim.

Report The Claim Online:

  • Click on the Carrier tab.
  • Use the carrier’s claims website link to report the claim online.

Step 1: Document the Scene

  • Take photos of the damage to all vehicles involved.
  • Capture the positions of the vehicles.
  • Photograph the license plates of the other vehicles.

Step 2: Exchange Information

  • Share insurance details with other drivers and note any passengers.
  • Contact the police to assist with information exchange and file a police report.
  • Try not to apologize or make statements that could be construed as admitting fault.

Step 3: Collect Additional Information

  • Make note of the accident location.
  • Make note of the towing company if your car requires towing.

Step 4: Notify Your Insurance Carrier

A deductible is the amount of money you must pay out of pocket for covered expenses before your insurance coverage begins to apply.

For example, if your car insurance collision deductible is $250 and you incur $1,000 in damages, the insurance company will pay the repair shop $750, and you would be responsible for paying your $250 deductible.

Auto liability coverage limits in Michigan apply to Bodily Injury (BI), Property Damage (PD), Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverages.

They are typically written out as three numbers like 25/50/25. Here’s what they mean:

  • $25,000 limit per person for Bodily Injury in an accident
  • $50,000 total limit per accident for Bodily Injury
  • $25,000 limit per accident for Property Damage.

Absolutely. We utilize secure encryption technology to ensure the safety of your personal information. When it comes to your application, we never access your data without your prior approval.  Additionally, we will never sell your data to any third party.

Yes, we suggest obtaining an estimate before initiating a claim.  Once you have your estimate, please give us a call to discuss your options. We’ll also review your policy with you to determine if your estimate exceeds your deductible.

We offer insurance solutions for all your personal needs, including auto, home, life, health & more. Additionally, we offer products to meet all your business needs, such as liability, property, trucks & more.  But that’s not all!  We also offer a wide array of car care, safety and security products. 

If you have other questions, you can call, text, email, or live chat with a real person at Insurish who is standing by to assist you. Regardless of how you contact us, we will respond immediately.

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Please Note:

At Insurish, we provide general information on insurance products to help you grasp their different aspects. It’s important to note that this information isn’t an insurance policy and doesn’t pertain to any specific carrier’s policy. It doesn’t alter any provisions, limitations, or exclusions expressly stated in an insurance policy. Descriptions of coverages, discounts, and features are concise. For a comprehensive understanding of specific policy details, we recommend reading the applicable policy and consulting an Insurish agent. Coverages and features vary by insurer and state and may not be available in all states. Coverage for accidents or losses depends on the terms and conditions of the actual insurance policy. References to premiums, losses, deductibles, and costs are illustrative and may not apply to your circumstances. Insurish is not liable for the content of third-party sites linked from this page.