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Flat Rock Auto Insurance: Understanding Michigan’s PIP Requirements

Flat Rock Auto Insurance: Understanding Michigan’s PIP Requirements

Flat Rock Auto Insurance: Understanding Michigan’s PIP Requirements

20/40/20. That’s the basic and general information one can know about Michigan’s requirements when buying Flat Rock auto insurance. However, there’s more to that fact, and as a local resident, you need to be well-informed about the state law and what kind of policy will you be buying. Many times, customers have relied on their family, friends and other advisors to select their respective coverage, but it is important to understand what the plan really is and how much it can cover.

Michigan’s liability limits are set to the minimum amount of $20,000 per head, $40,000 total per accident, and $10,000 minimum for property damages. The Personal Injury Protection is the aspect of every Michigan policy stating that the auto insurance company is responsible for the medical needs of both involved. Local insurance carriers have various levels of PIP in their coverage.

Some of these PIP policies include:

  • Coordinated with medical, which allows your Flat Rock auto insurance provider to assist in covering the costs of injuries in an accident. Having employer’s primary health insurance benefits will help lessen the cost.
  • Coordinated with income loss, which pays you your salary with what your primary health insurance provides. An example would be if your disability coverage (through your employer or company) gives you 60% coverage, the auto insurance company can cover the remaining percent in order for you to receive your full wages while disabled.
  • Coordinated with loss of medical and loss of income, which includes both of the plans mentioned above.
  • Full medical assistance, which states that your auto insurance will be paying for your entire medical expenses. This has a more expensive policy versus the above services because the insurance company will be the only one responsible when an accident occurs.

This is only for the PIP, but Michigan has another insurance item known as Property Protection Insurance (PPI). Discover more about it through this blog, or contact Frost & Remer (http://www.InsuranceByFrost.com) for your Flat Rock auto insurance information. Also, see their plans at  https://insurancefrost.wpengine.com/auto-insurance/.