Auto Insurance

What Type of Auto Insurance Is Required in Your State

In order to comply with state law, drivers in every state must have a minimum amount of insurance per person, per accident for bodily injury, and for property damage. The set amounts of money needed vary from state to state. Personal Injury Protection (PIP) is the portion of the policy that insurance companies are responsible for, and it relates to the medical payments following accidents. It is important to work with your insurance agent to determine what requirements must be met for your state. We have many policies available to discuss with our Michigan agents at America's Choice Insurance Partners.

Auto Options

• Coordinated with Medical will mean that the primary health insurance will cover the injuries in the event of an accident. If you have health insurance through an employer, then you can reduce the cost of auto insurance. Auto insurance will pick up what your primary health insurance doesn’t cover. Medicaid or Medicare will not qualify, because these insurance plans don’t cover costs associated with an accident.
• Coordinated with Loss of Income will pay for wages above what primary health insurance covers.
• Full Medical means that auto insurance will pay for all the medical expenses associated with an accident. This insurance is usually more expensive because the auto insurance company is fully responsible.

Drivers in the state of Michigan are required to pay Michigan’s Catastrophic Claims Association fee, and this fee is unique to the state. It helps to make sure that insured drivers will have medical coverage if they are injured in an auto accident. The only policies that don’t have to pay this fee are comprehensive coverage and policies for vehicles that are in storage. For those outside of Michigan, discuss your state's requirements with one of our agents to learn more.

Optional Coverage

Drivers have the option of purchasing additional auto insurance to protect their vehicles. Comprehensive and collision coverage are available to protect a driver’s vehicle in the event of an accident, or if the car is damaged in some other way. There is also uninsured and underinsured motorist coverage, which protects drivers who get into an accident with someone who doesn’t have enough coverage or doesn’t have coverage at all.

Contact America's Choice Insurance Partners, serving Wixom, MI, to get a quote on auto insurance. Also, try our online rating tool for quotes on home and auto policies.