Michigan Auto Insurance

In order to make the road driving safe and to safeguard the drives in Michigan, strict laws have been implemented for the drivers and for their families. It's the state in USA where drivers needs to have minimum liability coverage on their auto insurance policy which is also mandatory by the state law. If you are looking for more details on this topic, then read through the article.

Why you need the auto insurance policy?

If you want to drive your car in a legal way in the state, then you should follow the laws and the regulations implemented by Michigan state authority. If you really want to drive the car in a safe way in this state, then it's time to go for Michigan auto insurance that is really helpful. All the drivers in the state need to keep the required things in mind which will help them in finding the best auto insurance policy. If you want to maintain a clean driving record in the state, then you should look for all the requirements related to this subject. You should know the regulations and the penalties implemented by the Michigan state for making the road driving safe. Some of the auto insurance policy in the state are compulsory and has been designed to trace drivers on the highways and street roads of the state. There might be catastrophic accident on the roads when you are driving. If you are having Michigan auto insurance policy, then you can save yourself and the fellow passengers during such occurrence. You can meet the financial requirements that may come into act due to injuries and damages which are common after road accidents. Having an insurance policy for your vehicle is always essential and you should keep this aspect in mind. If you want to get your vehicle registered in the Michigan state, then you should follow certain rules. First of all, you need to get the minimum liability coverage for your vehicle. If you are not having such insurance policy, then you may have to pay hefty amount of penalties and the insurance premium may move too high for you. There are also few instances, when drivers in this state have come across a cancellation of the driving license due to such reason. If you own a Michigan auto insurance that means you have added more safety factors for your account. Such safety factors will come into act once you will come across road accidents that are quite unexpected and caused due to your fault. Michigan state laws have been highly affected by the Tort system. As per the Tort system, if you are responsible for the accident, then your insurance service provider will stay responsible for paying the cost related to the damages after the accident. Michigan state law has made it mandatory for drivers to have the Michigan auto insurance policy that holds the 20/40/10 ratio. This is the best way through which you can compensate for the accident. So, you need to have minimum coverage of $20,000 per person and maximum value will be $40,000. For property related damages you need to have a minimum coverage of $10,000. Here, you need to keep in mind that these above mentioned coverage amounts are the minimum values that need to be maintained when you are looking for Michigan auto insurance policy. At the same time, it is advisable for you to have more coverage amount so that you can meet the expenses after accident successfully. All you need to evaluate all these aspect properly before buying Michigan auto insurance policy. Keep in mind that the accident related coverage can cost you severe expenses and bearing these expenses without having any coverage is really impossible in this state. You are also required to take Michigan auto insurance policy in advance so that you can meet these state requirements effectively.

Michigan Auto Insurance

PIP Coverage

It's the PIP coverage that you also need to look for while moving for Michigan auto insurance. This sort of coverage amount will cover the personnel injury that is related to all the fair medical expenses, loss of wages that is meant for the drivers as well as for the passengers. With this sort of coverage you can even meet the loss of wages for people that are unable to work and clean their home properly. While looking for Michigan auto insurance policy, you cannot really ignore the importance of collision coverage. Though it has been considered as an optional coverage, then also it can offer you tons of benefits when you need it the most. This sort of coverage has been designed to reimburse for the damages that have been occurred with the vehicle at the time of accident. This sort of coverage is available in three different formats and these are: 

Broad form coverage 

With this sort of collision coverage you are required to pay only for the deductible if you are having more than 50% of fault for the accident. This one has been considered as the better one among these three. 

Basic or standard form coverage 

With this sort of collision coverage you will need to pay the deductible despite of the fact that is at fault zone for the accident. It can offer you excellent coverage, provided you can carry some of the risky elements. 

Limited form coverage 

This sort of coverage will assist you to reimburse if you are having 50% or less than that fault for the accident. If it has been proved that you are having 51% fault for the accident, then you cannot avail this sort of coverage.

DUI/DWI laws in Michigan

If you will look for the record, then you can find that more than one third of the road accidents happening in Michigan state due to the intake of alcohol by the drivers. In the past few years, due to the implementation of DUI and DWI laws in the state accident related deaths have gone down, but the percentage of accident is still there. Studies have even proved once you are taking a single drink and driving the car, you are more prone to an accident. Michigan, like other states in the USA region, defines drunk driving like other drivers use to have BAC or blood alcohol level 0.8% or more than that. Well, the penalties related to DUI or known as OWI in the state are really stiff.

• Drivers may come across 93 days jail
• The fine amount may move up to $500
• Drivers may need to go for 360 hours of community services
• Six points could be added for the driving license
• Driving license may be suspended for 180 days and drivers may find the restricted license after 30 days