Allied Insurance

Auto Insurance

 

Get Started by completing our  Home and Auto Insurance Questionnaire

 

Car insurance is a type of insurance that you cannot do without if you own a vehicle. Not only is insurance required by law, it will also give you the peace of mind that your needs will be taken care of in the event of an accident. The coverage for car insurance in Michigan comes in many kinds—how will you know which one is right for you?

Types of Auto Insurance

 

Liability Insurance

This type of insurance applies in a covered car accident that is determined to be caused by your actions. The cost of repairing any damaged property as well as the medical bills from resulting injuries will be covered by liability insurance.

Collision Insurance

This particular insurance covers the damage to your vehicle in the event of an accident, minus your deductible. Needed repairs will be covered, or if your car is totaled, you will receive the amount equal to the value of your vehicle.

Comprehensive Insurance

Minus your deductible, this insurance covers damage to your vehicle that is brought about by conditions other than a collision. Comprehensive insurance typically includes vandalism, flood, theft, or fire.

Personal Injury Protection or Medical Payment Insurance

Often regarded as one of the most important types of insurance, personal injury protection covers the medical expenses of the driver in the event of a car accident.

Uninsured Motorist (UM) or Underinsured Motorist (UIM)

In spite of the stringent laws on car insurance, there are still some motorists who do not follow the rules. The minimum coverage amounts for various states also differ. To address both cases, UM and UIM coverage can be used. This type of insurance covers the expenses if you are hurt by a driver without insurance or does not have enough to cover all your medical bills. UIM or UM insurance is also applicable if you figure in a hit-and-run accident.

Supplemental Insurance Coverage

If you want to customize your insurance to totally suit your needs, it might be ideal to get a supplemental insurance. You can choose to add a rental or a towing reimbursement. If you want to have insurance that pays the difference between the sum owed on the car loan and the actual cash value received for the car in case your vehicle is totaled in an accident, get an additional Gap Coverage.

Tackling All Your Insurance Needs

 

At Allied Insurance Managers, we make sure that your car insurance in Michigan fits your preference and budget. We have been helping clients since 1912 and proudly provide insurance programs that enable our clients to reach their goals. Recognized for a strong commitment to integrity and ethics, our clients benefit from the range of insurance services we provide.

 

Ask us about the Safeco Right Track Program

 

For business, health, home, and auto insurance, Allied Insurance Managers is the one to trust. Call us today at 248.853.0930 to get more information on car insurance or other programs.

Allied Insurance Managers, INC.