Having auto insurance isn’t a luxury. It’s the law.

Michigan, like most states, has specific auto insurance mandates. However, minimum coverage limits are more strict when compared to other areas. And these regulations are ever-changing. Luckily, North Coast Insurance Services stays up to date. Serving Lexington, MI, the agency is skilled at navigating these requirements to keep you safe, secure, and legal.

Using this experience, North Coast Insurance Services shares four items that any auto insurance policy in the state must include.

Bodily Injury Liability

Liability coverage is mandated for all motorists. Bodily injury is the first part of this protection. This reimburses expenses if a collision causes serious injury to another driver. By law, Michigan drivers need $50,000 for any single person. A combined amount of $100,000 is required for all people per incident.

Property Damage Liability

Property damage covers destruction to another person’s property, like vehicles, buildings, or other structures. Although drivers must carry at least $10,000. However, Michigan became a no-fault state in 2019. Because of this distinction, property damage liability is more important for incidents that occur outside Michigan.

Personal Injury Protection

Called "PIP" for short, this protection is designed specifically to produce benefits in no-fault states. Unlike liability, this coverage is for you personally. It can reimburse lost wages, medical bills, and other costs incurred by an incident.

Property Protection Insurance

This extends to "tangible property" and is similar to property damage liability. But, like PIP, this is for Michigan-based claims only. Drivers in the state must have $1 million in coverage.

Consult an agent serving Lexington, MI

North Coast Insurance Services understands how important auto insurance can be. It’s more than just the law. An auto insurance policy protects you, your family, and other drivers on the roadway. Schedule an appointment today.