Auto Insurance

A policy with state mandatory coverages only includes Bodily Injury, Property Damage, Property Protection, and Personal Injury Protection coverages. A policy with state mandatory coverages and physical damage includes these coverages along with Collision and Comprehensive.

Collision and Comprehensive coverages are required if your vehicle is financed or leased and are subject to a deductible.

Bodily Injury liability coverage protects you if you are involved in an accident in Michigan and you cause serious bodily injury to others. If you injure someone while driving in another state, you are under the law of that state and can be sued in the courts of that state and made to pay damages. We can provide you with the state minimum limits of $20,000 per person and $40,000 per accident. However, it is our agency recommendation to have Bodily Injury liability limits of $300,000 per person and $300,000 per accident. Higher limits are available and are recommended.