If you’re like most Michigan drivers, you probably chose your auto insurance based on price, not fully understanding what your coverage actually does until you need it.
Michigan’s auto insurance laws are unique, and choosing the wrong coverage can leave you underinsured when it matters most. Here’s a starting point of what coverage you actually need, and what’s optional, so you can protect yourself, your family, and your finances.
For a more in-depth explanation or a personalized look, contact us to set up a meeting or call!
Michigan Auto Insurance Requirements (The Basics)
Michigan requires every driver to carry:
- Personal Injury Protection (PIP)*
- Property Protection Insurance (PPI)
- Residual Bodily Injury & Property Damage Liability
But minimum coverage does not mean adequate coverage.
Personal Injury Protection (PIP): The Most Important Coverage
PIP covers:
- Medical bills
- Lost wages
- In-home care
- Long-term rehabilitation
Michigan allows drivers to choose different PIP limits. While lower limits can reduce premiums, they can also expose you to major out-of-pocket costs if you’re seriously injured.
Best practice for most Lapeer, MI Insurance options:
Choose a PIP option that aligns with your health insurance and long-term financial protection, not just the lowest monthly price.
Liability Coverage: Protecting Your Assets
Liability coverage protects you if you cause an accident and injure someone else.
Michigan’s minimum limits are often not enough, especially if:
- You own a home.
- You have savings or investments.
- You’re a high-mileage driver.
Higher liability limits are usually much more affordable than people expect — and they protect everything you’ve worked for.
Uninsured & Underinsured Motorist Coverage (Often Overlooked)
This coverage protects you if:
- You’re hit by a driver with no insurance.
- You’re hit by a driver with low limits.
In Michigan, this coverage is optional, but highly recommended. It’s one of the most valuable protections you can add, especially given rising repair and medical costs.
Collision & Comprehensive Coverage
- Collision coverage covers damage to your vehicle in an accident.
- Comprehensive covers theft, vandalism, weather damage, and animal collisions (very common in Michigan)
If your vehicle has value, these coverages are usually worth carrying.
Why Working With a Local Independent Agent Matters
When you work with a local independent insurance agent, you’re not just buying a policy; you’re gaining a real person who knows you, your situation, and your community.
Instead of call centers and automated systems, you have:
- A dedicated agent you can call or stop in to see.
- Help reviewing coverage as your life changes.
- Guidance during claims, not just at purchase time.
At KC Insurance, we are here to answer questions, explain options in plain language, and advocate for you when you need support. It’s personalized service you can rely on, before, during, and after a claim, not a one-size-fits-all quote.
Is Your Auto Insurance Still Right for You?
If you haven’t reviewed your policy in the last 12 months, there’s a good chance your coverage is outdated.
Contact KC Insurance Lapeer today for a no-pressure auto insurance review and see if your current policy is truly protecting you.
*Unless certain conditions are met.