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Janis-Shunta Insurance

950 W. Norton #500
Muskegon, MI 49441

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Janis-Shunta Insurance Blog

Why basic auto insurance may not be the right choice

Basic auto insurance is the amount of auto insurance that the state mandates. It is the least amount that is legal to drive in Michigan. While basic insurance is right for some people, it may not be right for you. At Janis-Shunta Insurance in Muskegon, MI, our team of insurance professionals will work hard to ensure that you have the right coverage for you. 

Michigan law requires that you have liability insurance in the amount of 20/40/10 and also to have PIP coverage. This protects other drivers from you and also protects you from any physical damage that happens to you due to an accident. But what about your vehicle? If it is damaged, can you pay for the repairs or replacement on your own? If it might pose a problem, you need to have insurance that can do that. 


Collision coverage protects your vehicle from the damage your vehicle may sustain due to an accident. It can be with another car, with some other object, or as the result of a hit-and-run. You will need to pay the deductible before the insurance kicks in. 


Comprehensive auto coverage is often called non-collision coverage, even though it covers a collision with a large animal. Many weather events are covered, such as hail, flooding, and high winds. It also covers vandalism and theft. The deductible must also be met. 

Other coverage you can choose

Some types of coverage you may want to consider are:

  • Rental car
  • Full glass
  • Gap coverage
  • Roadside assistance

Give Janis-Shunta Insurance a call 

When you need to discuss your auto coverage, you can count on our team at Janis-Shunta Insurance in Muskegon, MI to provide the customer service you need.