All states require motorists take out liability coverage on their vehicles. In the state of Michigan, motorists are also required to take out personal injury protection as well. While property damage liability (PDL) insurance covers the costs of repair or replacement to another vehicle when you're at fault in an accident, bodily injury liability (BIL) insurance covers the medical costs to the other party if you're accountable. In the state of Michigan, the minimum liability requirements are 20/40/10. This means that the insurance covers $20,000 per person for bodily injury claims, $40,000 total per accident and $10,000 for damages done to the other vehicle when you're at fault.
In addition, you're required to carry personal injury protection (PIP) insurance which covers your medical costs in a car-related accident. Because Michigan has a no-fault law with respect to auto insurance, bodily injuries are covered by your personal insurance, whether you're at fault or not. Therefore, when obtaining any Detroit car insurance quotes, you'll want to include at least the minimum state requirements for bodily injury liability (BIL) insurance and property damage liability (PDL) insurance as well as the requisite PIP insurance in your auto package.
If you own a newer model car, you may want to include full coverage by adding comprehensive and collision insurance too. Many Detroit car insurance companies can offer you a variety of plans to include full coverage in your portfolio depending on the protection you need. While comprehensive insurance insures against damages done to your vehicle as the result of acts of nature, fire, theft or vandalism, collision insurance provides protection against damages to your vehicle when you're at fault in an accident. If you happen to be making payments then on a newer model car, it's recommended you select full coverage to optimally insure your vehicle. You may also want to include uninsured or underinsured motorist's coverage too. Uninsured motorist insurance provides coverage for you in case you're in an accident with a driver who isn't insured. Underinsured motorist insurance covers you in the same way as well and provides protection for you or members of your family if you're involved in an accident with a driver without sufficient insurance.
Therefore, the coverage you choose, when obtaining any Detroit auto insurance quotes, will depend, to a significant degree, on your car's make and model as well as the amount you drive. Detroit car insurance companies can provide you with a variety of plans to fit your overall budget and insurance needs. Obtain a number of quotes first before you make a decision. Enter your zip code below to get started finding great deals.