Looking for Auto Insurance?
- When an accident happens and someone else’s fault- costs are high, not your financial burden
- Get protection for unforeseen events
- Includes full medical coverage for you and your family members
Highlights of car insurance policy here in Macomb, MI
Car insurance not only protects you from the car’s financial costs, but also covers your car if it is stolen or vandalized. Car accidents are common and car insurance provides protection for these as well so that you can get back to driving without worrying about costly repairs or even worse – a totaled car.

In Macomb, MI protect your car from theft, vandalism and accidents
You may be wondering why, even if you are a careful driver, you need to buy auto insurance. Auto accidents happen so frequently that it is important for every vehicle owner to have the protection of having an auto insurance policy in place. The cost of repairing your car or replacing it after an accident can be astronomical! A good rule of thumb is, the higher your deductible the less expensive your monthly premium will be.
Car accidents happen so frequently that it is important for every vehicle owner to have the protection of having an auto insurance policy in place, car accidents are common and car insurance provides protection for these as well so you can get back to driving without worrying about costly repairs.

Why did my auto insurance go up?
It is true that auto insurers price their policies based on many factors. These costs sometimes go up and other times they drop, but it’s also important to know how your own actions can affect these rates as well. For example, if you add another car or a teenaged driver to the policy then this will usually cause prices for the insurance coverage to increase; conversely removing either of those things from our contract could result in lower overall costs per month (or year) depending on what changes are made.


How will buying auto insurance help you?
Economically, a car insurance policy is one of the single-most important investments an individual can make. After all, simply owning a car can massively impact your family budget as you get closer to making reparations for those inevitable scratches or dents. And while most people might hope they die in their sleep or starve because they lack a meal ticket—doing so will likely knock out and take with it any life insurance responsibility you have! Safely when it comes to finances, our number one advice is looking closer at that monthly premium before settling on anything else. Our agents are here to protect you and your family as well as your budget. Call us today!

How to find out if someone has auto insurance coverage?
You can know if a person has paid for their insurance by checking their car registration for the car’s VIN number. If a person has car insurance, then you will see an endorsement on their driver’s license that says they have car insurance.
If someone is paying cash or using a loan to buy your car and does not want to do this with financing through the dealership – it might be a good idea for you to insist that they get a car insurance coverage right off the bat. This way, if anything happens to their car – it will be covered by car insurance and not your own finances.


What does 25/50/10 auto insurance mean?
When you see the numbers 25/50/10 associated with auto insurance, you can be sure that is means the car is insured for $25,000 in property damage and $50,000 per person. This would mean the car has a liability limit of up to $100,000. There is a total liability limit of up to 100k for someone who has a 25/50/100 car insurance coverage.

What does medical coverage on an auto insurance policy cover?
Our auto insurance covers medical payments. If you or your passengers are injured in a car accident, we pay for health insurance deductibles and co-pays, doctors visits, surgery X-rays or procedures payments.


What is car rental insurance?
If you are in an accident, your car rental company may offer car rental liability. This coverage will cover the damages to their car if another driver causes a collision with it and also covers damage to other cars when driving someone else’s vehicle. If there is any injury, then this would not usually be covered by car rentals but only for property or damage to the rented car itself.

How do I file a claim on my auto Insurance policy?
In order for your insurer to process your claims as quickly as possible, please provide all of these necessary details: The date of loss; name(s) of insured(s); address where incident occurred; license number of at-fault car; date of birth and other content that may prove useful.


What is a car insurance deductible?
A car Insurance deductible is the amount you agree to pay out-of-pocket for repairs or medical expenses. The higher your car insurance deductibles (the more money that you are willing to set aside each year), then the lower your monthly premium will be. If something happens and it costs less than what was agreed on, then they would cover this expense up to the total limit stated on their policy.

How auto insurance works?
If you buy car insurance then you are entitled to car insurance no matter where you live. There are two types of coverage that car insurance can offer: liability and physical damage (comprehensive). You have to choose one or the other, but not both – otherwise your car insurance would be considered “full coverage” policy.


What is auto gap protection?
Auto Gap Protection covers a person’s car if it is totaled in an accident while they still owe money on their loan for it. If the car was worth $20,000 before there were any damages done then this could protect up to $15,000 with our auto coverage GAP Policy so as long as they have collision included on their plan. This option has been popularized by car dealerships and car manufacturers to help offset those who may not have the money for a down payment.

What are car insurance deductibles?
A car Insurance deductible is an amount you agree to pay out-of-pocket for repairs or medical expenses. The higher your car insurance deductibles (the more money that you are willing to set aside each year), then the lower your monthly premium will be. If something happens and it costs less than what was agreed on, then they would cover this expense up to the total limit stated on their policy.


I’m a teenage driver – does my age affect my rates?
Yes! When an individual turns 18 years old (or when starts driving) in most states there is usually some period of time in which car insurance is required.

What car insurance covers?
Your car Insurance policy is made up of a variety of coverages – some required by law, others optional. You’ll want to make sure you have both liability and physical damage coverage for your best protection in the event that an accident causes property or personal injury. Our car insurance covers medical payments. If you or your passengers are injured in a car accident, we pay for health insurance deductibles and co-pays, doctors visits, surgery X-rays or procedures payment.

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What Coverage Does Macomb, Michigan Require for Car Insurance
Need insurance for your home or car? Call us at (586) 274-9600
The Michigan guidelines for auto insurance law are determined by the Department of Insurance and Financial Services in the State of Michigan. There’s much information to know about their requirements, but we’ll give you the highlights of what you need to know. Whenever you ask for insurance quotes, try to become familiarized with terms like personal injury protection (PIP), medical expenses policy, and how your insurance premium works on a per accident basis.
The absolute minimum car insurance coverage for Michigan drivers is:
Up to
$50,000
for a person who is
hurt or killed in an
accident.
Up to
$100,000
for each accident if
several people are
hurt or killed.
Up to
$10,000
for property
damage in another
state.
Understanding the Michigan No-Fault Insurance Law Reform
In short, the changes to the law affected
your policy in regards to:
Personal Injury Protection
Property Protection Insurance
Bodily Injury and Property Damage
Source: michigan.gov
There are, of course, limits to this no-fault automobile insurance coverage, and we go deeper into it in this guide for understanding Michigan auto insurance law. You can also see the official guide from the Government of Michigan, regarding the changes to the Michigan no-fault insurance lawpassed in June 2019. It goes without saying, this applies to Macomb.
Buying Car Insurance in Macomb, Michigan
Regardless of what insurance company you choose, you know you need to buy insurance for your vehicle. While all the legal details are important, ultimately, most of your decision will come down to what you can afford.
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