Michigan Insurance Agreement
Description
How to fill out Insurance Agreement?
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FAQ
Drivers' premiums will depend on their individual circumstances and the coverage they select. If drivers choose to opt out of PIP medical, the entire PIP medical portion of their premium will be eliminated but excluded members will have no PIP medical coverage under the policy.
Under Michigan No-Fault insurance, if you are more than 50% at fault in causing the car accident that resulted in damage to your motor vehicle, then you are the person who pays the deductible if you have broad form or standard collision coverage. The deductible amount is what you chose in your insurance policy.
How much bodily injury liability insurance do I need in Michigan? In Michigan, the law states you need bodily injury liability insurance with limits that provide coverage of $250,000 if you cause a car accident that results in someone being hurt or death to one person and $500,000 if there are two or more victims.
Financial experts recommend that you carry at least $100,000 in bodily injury liability coverage for one injured person and $300,000 to pay the expenses of multiple victims in an accident. Most major car insurance providers will allow you to increase your coverage to these levels, perhaps even higher.
If your car is properly parked and hit by another car, the other driver's insurance will pay for your repairs. Except for this situation, the only kinds of automobile insurance that pay for repairs to your car are collision and comprehensive coverage.
It is important to know that if you choose a lower level of PIP medical coverage and you don't have health insurance, you may be personally responsible for your medical costs that exceed your PIP medical coverage limit if you are injured in a crash.
Drivers in Michigan should purchase bodily injury liability insurance/residual liability insurance with limits of $500,000 and $1,000,000.
Drivers in Michigan should purchase bodily injury liability insurance/residual liability insurance with limits of $500,000 and $1,000,000.
