At The VanStrate Agency in Michigan, we want to ensure that all of our customers have the right coverage. Auto insurance is not one size that fits everyone. Some insurance is required by the state of Michigan, but other types of coverage are equally crucial to your peace of mind. As an independent insurance agent, we can offer our customers choices. We work for our customers, not one insurance company.
In Michigan, you must carry auto liability insurance. This protects other drivers from you and an accident you are responsible for. Michigan is a no-fault state and has very specific auto insurance requirements. The required insurance is PIP Personal Injury Protection, PPI Property Protection, and Residual Liability Insurance. This protects you from any injury you sustain but, generally speaking, is more about protecting others.
But what about your vehicle? Most people need to use the car they own every day to perform their routine duties. What if you have an accident? How will you pay for the repairs? If you have a loan on your vehicle, you must maintain comprehensive and collision coverage. These types of coverage will repair or replace your vehicle. But do you need it if you don't have a loan?
Having an insurance agent who knows you and your vehicle can help you ensure that you have the proper coverage. Your auto insurance policy can be customized to ensure that you have the right coverage. Collision coverage will repair a vehicle damaged in a collision. It also covers you if you are a hit and run victim or a one-vehicle accident.
Comprehensive coverage is non-collision damage. It can be weather-related damage from high winds or a store. Glass coverage is part of this protection and is frequently used to replace a windshield.
At The VanStrate Agency in Michigan, we will take the time to sit down and get to know you and your insurance needs. Contact our team to learn more about your insurance options.
