It is important to have insurance in case of an accident. This will help reduce your financial risk. Learn more about Michigan’s coverage options and find out which plan is the most affordable. Call us to get a free, no-obligation quote. You will save nearly $500 when you get a policy through us. You can quickly compare insurance prices online using our advanced tools.
Car Insurance Types
Michigan has two types or auto insurance:
1) Bodily Injury Liability Automobile Insurance
2) Property Damage Liability Insurance
Michigan Vehicle owners must follow the Mandatory Requirements
Michigan vehicle owners must have minimum coverage.
A) $15,000 liability coverage for 1 person’s death or bodily injury.
b) $30,000 liability coverage for 2 persons bodily injury or death.
c) Minimum $10,000 for property damage.
These figures do not represent the minimum amount of insurance you need to meet Michigan’s requirements. It is best to consult an expert to assess your risk. It is a good idea to get more coverage than the minimum amount because of rising healthcare costs and high auto repair costs. Make sure you get insurance that covers more than your asset. This will help you avoid financial problems in the future. You can get a quote for insurance online at no cost.
Michigan fines for not having vehicle insurance or illegal vehicle insurance
It is important that you adhere to Michigan’s minimum liability insurance requirements if you intend to drive your vehicle here. The law will apply to all circumstances. If you don’t, your driving licence can be revoked and your vehicle towable.
Michigan’s minimum penalty for driving without insurance is $500. As you get more convictions, your fine will increase. If you are caught driving without insurance, you will need to get a certificate called the SR-22. This certifies that you have taken full financial responsibility for at least three years. Additional charges will be incurred if your vehicle is impounded or towable.
You might be able to save money temporarily if you don’t have insurance. In the long-term, however, you will be paying a lot more for your insurance. You can imagine that if you are in an accident, all your savings will go towards repairs and other costs. This could easily have been avoided if you had Michigan car insurance. If you own a Michigan vehicle, ensure that you have at most $50-60 per month to pay for your car insurance. We strongly recommend that you use public transportation instead of your vehicle.
The procedure to follow in the event of a vehicle accident
There is a good chance you will be in an accident while driving. These are the steps you should take in case of an accident.
1 Stay Safe
You must ensure that you stay at a safe distance from the traffic and not in the middle. This could lead to more damage from the fast-moving traffic.
2 Call the cops
If you require medical attention, dial 911 and they’ll notify the police.
3 3) Take a few minutes to write down the information and then save it
All information relating to the vehicle and witnesses should be taken down in case of an accident.
4) Make a claim
Notify your insurance company about the accident and file a claim to cover your damages.
Call your insurance company as soon as possible after you have been in an accident. They will be able to expedite the process. Online claims forms are also available. If you are seriously hurt, an accident attorney might be a good option.
Michigan Online Low Cost Citizens Insurance
If you want to find auto insurance in Michigan, it is worth searching online. The online insurance prices are lower. Direct car insurance plans are available online and they will cost you less than if you went through Citzens. You can compare quotes from multiple companies online and pick the one that suits you best.
