Driving in Flushing, MI means taking on all the legal responsibilities of operating a motor vehicle on local roads. Learn how Michigan’s no-fault insurance system affects Flushing drivers from the professionals at the Vernon Agency.
According to recent changes in state laws, Michigan drivers must carry a minimum level of insurance called “no-fault insurance.” This state-mandated insurance coverage consists of three key components that ensure all drivers are financially protected in an auto accident – regardless of who is at fault.
No-Fault Insurance Basics
The no-fault insurance system in Michigan is designed to protect all drivers on the road when accidents happen – regardless of who is at fault for an auto accident.
Component #1. Personal Injury Protection – PIP
The first component of Michigan’s no-fault insurance provides a financial layer of protection for drivers who have been injured in an accident. PIP insurance can help cover the costs of medical expenses, lost income, and even household services required due to an accident.
Component #2. – Property Protection (PPI)
Property protection insurance helps offset the cost to other people’s property in an auto accident. This protection is designed to shield drivers from the costs of repairing or replacing damaged property like fences and buildings. It does not cover the cost of repairing or replacing vehicles.
Component #3. – Residual Liability, Bodily Injury, and Property Damage
The third level of no-fault insurance in Michigan is designed to protect insured drivers from the high out-of-pocket costs that can arise from a head-on collision, side swipe, or other auto accident.
Learn how to get the right auto insurance coverage when you contact the Vernon Agency in Flushing, MI, today!
