No matter what type of vehicle you drive, failing to comply with insurance laws not only risks fines and or jail, it also puts you at risk of being held liable for injuries and damages incurred if you are involved in an accident, whether you are at fault or not. Michigan requires all drivers to carry three types of no-fault insurance for automobiles, and similar liability coverage for motorcycles. Drivers that are protected by no-fault insurance have the peace of mind in knowing that their medical bills, and other costs, including lost wages, are covered by their insurance. However, no-fault and liability insurance will not pay to repair or replace your vehicle. To receive compensation for theft and damages to your vehicle, you also need to purchase Collision/Comprehensive insurance.
Unfortunately, even if you are in compliance with the law, in some cases, your liability can easily exceed the minimum 20/40/10 coverage required by law. An accident with an uninsured or even underinsured driver can leave you with medical bills and repair bills. A single accident can easily create a significant financial burden, putting your assets and financial security at risk.
To protect against that risk, you might want to consider purchasing higher coverage limits. Residual Bodily Injury Liability, “Mini-Tort” and Uninsured/Underinsured Motorist insurance can protect both individuals and businesses against excessive liability and “the other guy”
Other services such as roadside service plan can help you get back on the road, or to a mechanic, if you or a loved one has mechanical trouble or a breakdown on the road.
Our agents at D. Beacom & Sons can help you to determine how much, if any, additional insurance you might need, and to find the best rates possible
Let us help.
We know that finding the right, amount of insurance coverage, deductibles and premium pricing can be complicated. Let us help you find the best prices and plans to fit your needs and your budget. Whether you need basic coverage for single drivers, coverage for multiple vehicles and drivers, commercial vehicle insurance or collectible or antique vehicle (or boats) our friendly and expert staff is here to assist you with your auto insurance needs and answer your questions.
Call us at 800-635-1218 or Get started using our quote form today!
If you own a car and you drive it, or allow someone else to drive it without basic no-fault insurance, you can be sued and held personally liable for all injuries and damages that result from an accident, including your own. You may also be convicted of a misdemeanor and fined $200 to $500, put in jail for up to one year, or both. The court may also order your license suspended for 30 days or until you are able to provide proof of valid insurance.