For additional information about the auto coverage we can provide, please contact us.
A: Yes. All fifty states require some form of automobile liability insurance. Although, minimum requirements vary greatly.
A: This is a difficult question for an agent to answer, although, most agents would agree, the state minimum requirements are too low. You as the policy holder need to consider if you would have to adjust your life style if you were sued as the result of an auto accident. If you believe your assets are worth more than your liability limits, you should increase them.
A: Comprehensive is also referred to as “damage other than collision.” This is physical damage to your automobile while it is not moving. A few examples are: theft, vandalism, fire, etc…
Collision is physical damage to your automobile as the result of a collision with another vehicle or an object. Depending on your collision option you may have a deductible and it may be waived.
A: If you have a loan on your vehicle, you must maintain full coverage. If you do not owe on the vehicle, the decision to reduce coverage to liability only is up to you. Typically, if your auto is in an accident and the repair cost exceeds 75% of the Kelley Blue Book value of the vehicle, the insurance company considers the vehicle a total loss
A: Insurance follows the vehicle first. In the state of Michigan anyone licensed is allowed to operate your vehicle as long as you say its okay- this is called “permissive use”.