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Automobile Accident & Repair Insurance Claims

For auto insurance information in Michigan, be sure to call Encore Insurance Group at (248) 466-0200.

Car insurance can give you peace of mind each time you get behind the wheel of your vehicle. You can customize your options by working with our team at Encore Insurance Group. 

Michigan Car Insurance

All drivers in Michigan have a legal responsibility to carry a car insurance policy before they operate a vehicle. Insurance protects you, your family, and other drivers in the event of an accident. Michigan currently uses no-fault insurance laws.

No-fault insurance means that your insurance policy provides coverage for your:

  •       Medical expenses
  •       Lost wages at work
  •       Possible funeral or burial costs

You do not have to prove the other driver was at fault to receive compensation in this manner. However, your no-fault insurance does not cover damage to your vehicle. You can learn more about Michigan car insurance by contacting our team at Encore Insurance.

Michigan Car Insurance Coverage

Drivers must carry a certain minimum amount of Michigan car insurance coverage. In general, the law requires you to have a policy that provides 50/100/10:

  •       $50,000 per person for bodily injury
  •       $100,000 per incident for bodily injury
  •       $10,000 per incident for property damage

You may also secure up to $3,000 through a Mini-Tort claim, which you can put towards the costs of repairing your vehicle.

Types of Car Insurance Coverage in Michigan

Want to learn more about types of car insurance coverage in Michigan? You have several options when it comes time to select an insurance policy, including the following.

Liability Insurance

Liability insurance covers property damage and bodily injury expenses. All drivers have a requirement to carry this form of insurance.

Property Protection Insurance

You may use your property protection insurance policy to cover damage to parked vehicles or the property of another person.

Personal Injury Protection (PIP) Insurance

PIP insurance can help you get damage compensation to cover medical expenses and the loss of wages in the aftermath of a car accident in Michigan. The policy may cover your wages for up to three years after an accident.

Comprehensive Insurance

Not all car insurance covers losses associated with a car accident. Comprehensive insurance helps you handle repair costs if your car sustains damage outside of an accident. You can use your comprehensive policy to get compensation for damage from:

  •       Acts of theft or vandalism
  •       Falling objects (like a tree or hail)
  •       Animals
  •       Fires

You may also use your comprehensive insurance policy to get compensation if your windshield or car glass breaks.

Collision Insurance

Our team at Encore Insurance offers collision insurance policies. Collision insurance kicks in to cover your losses if your vehicle sustains damage in a car accident. You may also select “broad” collision coverage, which covers other forms of damage as well.

Review the Changing Car Insurance Laws in Michigan

As recently as 2020, Michigan has made changes to its laws on automobile insurance claims. Drivers now largely rely on their managed care (HMO) and private health insurance to get coverage for their medical expenses after an accident.

Drivers can also consider a lawsuit to get compensation from the other driver for their pain, suffering, and other expenses.

Contact Us About a Michigan Automobile Accident Policy

You can increase your feeling of security while driving in Michigan by reaching out to our team at Encore Insurance Group. We offer both required and optional forms of car insurance. Call us at (248) 466-0200 to discuss your options.