In Michigan, there are many requirements for auto insurance that every driver must-have. All of these required coverages are available from Shield Insurance Agency in Michigan, so call for your appointment.
Michigan is a no-fault state, requiring that you have your own insurance coverage that protects you regardless of who is at fault for the accident. In Michigan, this includes three types of coverage- Personal injury protection, residual liability, and property protection. There are other coverage types that are optional for those who want even stronger protection in the event of an accident.
There are a few options that Michigan drivers can choose from for this coverage. There is unlimited coverage that comes with no cap on the amount that can be paid out for both medical care and lost wages. There are also three other choices that have varying limits on the amount of coverage, and they include wage replacement. And, if you have Medicare parts A and B, you are not required to have this coverage at all.
This type of coverage comes with its own bodily injury coverage with a maximum for one person who is injured or killed in an accident and another maximum for the accident. There is also property damage protection included in this coverage. There is a minimum amount of coverage that you need for causing property damage to someone else in a different state.
Every Michigan driver should have the set minimum amount of coverage for property damage. This covers all damages that are caused by your vehicle on the property of third parties when the accident happens inside Michigan. It will also cover property damage done to a parked vehicle.
At Shield Insurance Agency in Michigan, you can get the coverage you need as well as getting any optional coverage types, like uninsured motorist. Call today to make your appointment to talk with an agent about your auto coverage.