All Michigan drivers are required by law to purchase no-fault insurance to help pay for accident related injuries or damages, regardless of who is at fault. Whether you are shopping for additional coverage for your current policy, or a new driver in search of your first auto insurance policy, Superior State Agency can help. We work with the nation’s top auto insurance carriers to ensure our clients throughout Manistique, Munising, St. Ignace, Newberry, and Gladstone receive the best coverage and price on their auto insurance.
To comply with Michigan law, every driver in Michigan must carry certain levels of personal injury protection, property protection, and residual bodily injury/property damage liability insurance. Personal injury protection (PIP) helps to pay for medical expenses you suffer because of a car accident. Property protection (PPI) will cover up to $1 million in damages to other people’s property. This does not include vehicles involved in an accident. Residual bodily injury/property damage liability (BI/PD) protects you in the event you were to cause an accident that resulted in serious injury or death.
Michigan BI/PD Auto Insurance Requirements
- $20,000 for injuries or death per person
- $40,000 for injuries or death per accident to multiple people
- $10,000 for property damage outside the state of Michigan
Keep in mind that this is only the bare minimum required under Michigan law. Higher levels of coverage will provide more adequate protection.
Required auto insurance does not offer protection for your vehicle or property. Optional coverage can be added to your auto insurance policy to better protect both you and your vehicle. Some of the most common optional coverage additions include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, roadside assistance/towing coverage, rental car coverage, and more.
Collision and comprehensive coverage are the two most common additions to any auto insurance policy. If you were to cause an accident, collision coverage helps to pay for damages to your vehicle. You may be required by your bank or lender to purchase collision coverage if you are financing or leasing a vehicle.
Comprehensive coverage is designed to help pay for non-accident related damage to your vehicle. This can include vandalism, fire, theft, natural disaster, and similar non-collision related damage. You should consider the age and condition of your vehicle when deciding on collision and comprehensive coverage. If a vehicle has depreciated significantly, it may not make sense to include these coverages. We can help you review your options to determine if these optional coverages will add value to your policy.
Michigan residents can take advantage of a number of discounts to help save money on auto insurance. Safe driver discounts, good student discounts, anti-theft discounts, multivehicle discounts, and much more are available!
At Superior State Agency, we aim to offer the best coverage and rates available on auto insurance policies throughout Manistique, Munising, St. Ignace, Newberry, and Gladstone. For more information on Michigan auto insurance or to receive a free quote, contact us today!