No-fault insurance is required by law in Michigan. Every owner of a car must buy certain basic coverage in order to register your auto and get license plates. It is against the law to drive (or let your car be driven) without no-fault insurance. The basic no-fault policy has three parts:

• Residual Liability Insurance-Bodily Injury/Property Damage: This is protection if an insured is named in a lawsuit as a result of a serious auto accident
• Personal Injury Protection-This part of no-fault will pay all of your medical expenses that are the result of an auto accident, regardless of who or what caused the accident.
• Property Protection: No-fault will pay up to $1 million for damage your auto does (in Michigan) to other’s property (such as building/fences etc…) and it also pays for damage to another person’s properly parked car.

Other insurance you may want to purchase, but are not obligated to by law are collision and comprehensive

• Collision coverage pays for repairs to an auto when it’s damaged in an accident. Sometimes a deductible will apply and sometimes it will be waived depending on the type of collision and how the loss happens.
• Comprehensive (sometimes called, damage other than collision) pays for an insured auto if it is stolen or needs repairs if it is hit by a falling object, damaged in a fire, flood or by vandals as well. Comprehensive also pays for repairs if there is glass damage to an insured vehicle or if there is a collision with an animal.

If you have an insurance question or problem, please call us and we can help!