The basic auto insurance coverage required by the state of Michigan is known as 50/100/10. This refers to $50,000 for injury to a single person in an accident, $100,000 for all injuries in the accident, and $10,000 for property damage. At Bachmann Insurance Agency in Flushing, MI, we strive to ensure all our customers have the proper auto coverage for their needs.
Collision
Collision coverage helps pay for the damage to your vehicle in the event of an accident where you are at fault after a deductible has been paid. If you have a leased vehicle or a car loan, you are required to carry both collision and comprehensive coverage to protect the vehicle.
Comprehensive
Comprehensive coverage pertains to damage to your vehicle that is beyond your control. It covers incidents such as flooding, hail, high winds, vandalism, and theft, with a deductible attached.
Gap coverage
If you have a new car with a car loan and the car is totaled, your coverage may not pay as much as you still owe on the loan. Gap coverage fills the difference between what you owe and what you receive.
Rental car
Rental car coverage provides a rental vehicle if your car is damaged or totaled. It only applies to instances when your vehicle is out of service due to damage and does not extend to vacation rentals. It facilitates the availability of a car for a limited number of days.
Full glass
Your comprehensive insurance includes glass coverage but requires you to pay a deductible. However, if you choose full glass coverage, you get a replacement windshield without a deductible. The service can even come to you for a replacement.
If you would like to discuss your insurance needs, call Bachmann Insurance Agency in Flushing, MI, or visit our office.
