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Janis-Shunta Insurance

950 W. Norton #500
Muskegon, MI 49441

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Janis-Shunta Insurance Blog

Auto Insurance for Beginners

Understanding auto insurance policies can be daunting. Learning the basics can make it easier to go through when you start searching for policies. Once you know the basics, you’ll be able to sift through your policy with a better perspective. In Muskegon, MI, Janis-Shunta Insurance is equipped with expert agents that are ready to help you navigate your way through an auto insurance policy.

What is Auto Insurance?

Auto insurance gives you protection for just-in-case situations. You may never need it, but you’ll be glad the insurance is there if you ever find yourself involved in an accident. There is certain insurance coverage that is required based on your state, and if you live in Michigan, you must have a no-fault insurance policy that protects you from being sued in certain circumstances.

What is No-Fault Insurance?

No-fault insurance is mandatory in Michigan and it is required by law. This type of coverage includes three basic sections.

  1. Personal Injury Protection (PIP) — is coverage that pays for medical expenses. This policy has no limits. 
  2. Personal Property Insurance (PPI) — will pay up to $1 million if you damage someone’s vehicle or other property.
  3. Residual Liability Insurance (RLI), also known as Bodily Injury and Property Damage Liability — acts as insurance that starts when you are sued. There are several ways that you can be sued where you will need an RLI: You have an accident that results in someone’s death, your accident was with someone who is not from Michigan, or you’re in an accident out of the state.

Whether you are in Muskegon, MI or in the surrounding area around Norton Shores, you should visit Janis-Shunta Insurance. There are expert agents that can offer you advice and information regarding auto insurance policies. You can also ask about home, commercial, life, and boat insurance. Contact our office for more information.