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Types of Car Insurance
Collision and comprehensive coverages
Pays for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
Collision coverage insures you against damage to your vehicle caused during an accident.
Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Liability coverage
Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.
Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and the passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
Personal Injury Protection
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional coverage
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
Why do you need car insurance?
Car insurance, specifically liability coverage, is required in Michigan, so you're financially protected if you're responsible for someone else's injuries or property damage. With additional coverages, your auto insurance can also help pay to repair or replace your vehicle. If you're thinking about insurance costs, there are ways to get cheaper car insurance without compromising on your coverage.
