Auto Insurance in Michigan

Michigan State requires that all drivers have liability insurance coverage if they want to drive on public roads. It demands bodily injury and property damage liability covers. Additional covers are advised.

Liability Insurance

Since Michigan is a no-fault state, you will be obliged to cover any loss or repairs to other people’s property. Liability coverage in an auto insurance helps to cushion you from such incidences.

In case of an accident, it is likely that other people will be hurt or their property will be damaged. This cover helps to pay them for their expenses. If you damage their car or property, property damage liability pays for repairs. If you injure them, bodily injury liability cover helps to pay for medical fees. The insurer only makes payments up to the limit of your cover. The cover does not pay for damages to your own car and your own medical expenses.

Collision Insurance

This cover pays for repairs or replacement costs of covered cars in case of collision with other cars.

Medical Payments Coverage

After an accident, you may need to get medical help. This insurance cover helps to pay for the medical fees if the accident was caused by a covered peril. It does not matter whether or not you were at fault.

Comprehensive Insurance

This type of cover offers extra protection after purchasing a liability insurance cover in Grand Rapids, MI. It pays for damages that result from anything expect a collision. It could include anything including; vandalism, fire damage, damage from natural disasters, car theft and even hitting a deer. There are policies that pay you the cash value of your vehicle while others pay replacement costs.

Rental Reimbursement Insurance

You may not be able to drive your car after it has been involved in an accident. Rental reimbursement insurance helps to pay for the costs of getting a rental car while your car is in repair. It may sometimes apply to public transport.

Alliance Financial & Insurance offers quotes for auto insurance and other insurance covers in Grand Rapids, MI. Visit our offices to find a quote. You can find one for home or auto insurance on our online rating tool.