Understanding Michigan Auto Insurance
Make sure no-fault doesn't mean no coverage. Here's what you need to know.
Required Coverage in Michigan
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Personal Injury Protection (PIP) Covers your medical expenses, lost wages, and nursing care after an accident, regardless of who caused it.
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Property Protection Insurance (PPI) Covers damage your vehicle causes to other people's property in Michigan (up to $1 million).
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Residual Bodily Injury Liability Protects you if you seriously injure someone in an accident and they sue for damages beyond no-fault benefits.
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Property Damage Liability Covers damage you cause to vehicles or property outside of Michigan, or to properly parked vehicles.
Optional Coverage We Recommend
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Collision Coverage Pays for damage to your vehicle from accidents, regardless of fault.
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Comprehensive Coverage Covers theft, vandalism, weather damage, and animal collisions.
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Uninsured/Underinsured Motorist Protects you if hit by a driver with no or insufficient insurance.
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Rental & Towing Covers rental car costs and roadside assistance when you need it.
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Gap Coverage Essential if you lease or finance — covers the difference if your car is totaled.
Not sure what coverage you need? That's what we're here for. Our agents will walk you through your options and help you choose the right coverage for your situation — without the pressure.
Why Get Auto Insurance Through Us?
As an independent agency, we work for you, not the insurance companies. We get our customers the best price, no matter who is offering it.
We Shop 10+ Carriers
We compare rates from Progressive, Auto-Owners, Citizens, Encompass, and more to find you the best deal. You can expect to save with us.
Local Agents Who Know You
Three offices in Muskegon area. When you call, you talk to a real person who knows your policy and can help you fast.
Claims Advocacy
When you're in an accident, we're in your corner. We help you navigate the claims process and fight for fair treatment.
Auto Insurance Carriers We Represent
More options means better rates for you
Visit Us In Person
Prefer to discuss your auto insurance face-to-face? We're just a short drive away. Just please call and make an appointment!