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Auto Insurance
Auto Insurance FAQ's
Welcome to John A. Barton Insurance, where we navigate the roads of auto insurance with you in Michigan. Our commitment is to keep you covered on every journey, offering personalized auto insurance policies that meet Michigan's unique no-fault system requirements. Whether you're cruising through the streets of Ann Arbor or embarking on a scenic drive across the Great Lakes State, we understand that each driver's needs are as individual as their destination. From essential liability coverage to comprehensive protection, our family-owned agency is here to ensure you drive with confidence, secure in the knowledge that you're protected from life's unexpected turns. Let's gear up for a safer journey together, with auto insurance that's tailored just for you.
What types of auto insurance coverage are required in Michigan?
Michigan requires No-Fault insurance for every car. This includes Personal Injury Protection (PIP), Property Protection Insurance (PPI), and Residual Bodily Injury and Property Damage Liability (BI/PD) insurance.
How does Michigan’s no-fault insurance system work?
Under this system, your auto insurance will cover your medical expenses and lost wages after an accident, regardless of who is at fault. This is designed to speed up payments and reduce the need for lawsuits.
What is the minimum auto insurance coverage required in Michigan?
As of 2020, the minimum coverage includes up to $250,000 in PIP, up to $1 million in PPI, and BI/PD liability insurance of $50,000 per person/$100,000 per accident bodily injury and $10,000 property damage (in another state).
Does Michigan require uninsured/underinsured motorist coverage?
This coverage is optional in Michigan. It provides protection if you're in an accident with a driver who has insufficient or no insurance.
How are auto insurance premiums calculated in Michigan?
Premiums are based on factors like your driving record, the age and make of your vehicle, your age, and your geographic location in Michigan.
Can my auto insurance rates increase after an accident in Michigan?
Rates may increase if you are found at fault in an accident, especially if it involved significant property damage, injuries, or if it is part of a pattern of accidents.
What should I do if I’m involved in a car accident in Michigan?
Ensure everyone's safety, call the police, exchange information with the other driver, take photos of the scene, and notify your insurance company as soon as possible.
How does Michigan’s mini-tort law work in auto insurance claims?
The mini-tort law allows you to claim up to $3,000 (as of 2020) from the at-fault driver for vehicle damage not covered by your insurance.
What additional coverage options are recommended in Michigan?
Comprehensive and collision coverage is recommended for damage to your car. Considering higher liability limits is also advisable for better protection.
How do I file an auto insurance claim in Michigan?
Contact your insurance provider immediately after the accident. Provide them with all necessary information and documentation, including the police report, photos, and details of the accident.
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