Auto insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. 

Auto insurance may also cover financial protection for the theft of a vehicle and damage to a vehicle from non-collision event, such as glass breakage and fire.

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Auto Insurance Coverages

There are basically six different types of coverages. Some may be required by law. Others are optional. They are:

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• Bodily injury liability - for injuries the policyholder causes to someone else.

• Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder’s car. There are a few different coverage levels available now in Michigan. Contact us to discuss which option is best for you 

• Property damage liability - for damage the policyholder causes to someone else’s property.

• Collision - for damage to the policyholder’s car from a collision with another vehicle or stationary object.

• Comprehensive - for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.

• Uninsured/Underinsured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

Contact us to learn more about the right car insurance for you.