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Auto Insurance

It’s a risky world but we’ve got you covered.

We know the unexpected and accidents happen and that’s why it is important to understand your coverage. At Frost & Remer you can rely on our knowledge and expertise to help you select the level of protection that’s right for you.

Is Your Policy Ready for the Michigan Auto Reform?

Protect yourself, your passengers, and your vehicles from accidents, road hazards, weather hazards, theft, vandalism, towing, and more with an auto insurance policy that provides the right level of coverage for the right price.

Ask about our discounts for good students, teachers, multi-vehicle, and multi-policy. 

Michigan Auto Policy holders, there are important changes coming July 2, 2020 that will impact your auto insurance injury coverage and potentially the premium you pay for that insurance. More details here.

Contact Frost & Remer today to schedule an appointment for your full risk assessment.

What auto insurance coverage is required?

To be considered a legally insured driver in Michigan, you’re required to have three types of auto insurance coverage. These make up your Personal Liability and Property Damage (PLPD) coverage and are explained in more detail below.

Previously Michigan’s No-Fault Law has required drivers to have no-fault insurance. These rules are changing with Michigan Auto Reform, which goes into effect on July 2, 2020. Drivers will have more options for the amount of auto insurance injury coverage they purchase, while being required to have more liability coverage. Learn how the changes could affect your policy and your premium here.


Liability coverage protects you, the driver, if you’re held responsible for an accident. It includes two components:

Personal Injury Protection (PIP)

PIP is the medical portion of a policy that an auto insurer covers. It pays for your medical expenses or the expenses of another injured person as a result of an accident, as well as expenses incurred because of those injuries, including lost income, attendant care (such as in-home nursing), and replacement services (such as child care).

Before July 2, this was required to be unlimited, meaning it covered unlimited medical benefits for the lifetime of the injured person. With Michigan Auto Reform, drivers will choose from up to six coverage options.

Property Protection Insurance (PPI)

PPI may help to cover damage you cause to parked cars or other property, such as buildings, trees, and fences. Each Michigan auto policy includes a mandatory $1 million of PPI coverage.

Other types of coverage and add-ons

These additional coverage types are typically optional, but it’s important to understand if you could benefit from further coverage. These are sometimes required by your lender if you lease a vehicle or are paying on an auto loan.

If your vehicle is totaled in an accident, collision coverage may help to replace the vehicle, covering costs up to its fair market value, minus your deductible (the amount you pay out of pocket before insurance will reimburse you for a claim).

What coverage should my auto insurance policy include?

If you’re starting a new insurance policy or renewing your coverage before or after the Michigan Auto Reform changes go into effect July 2, 2020, you’ll want to consider how the rules affect your options, coverage, and premium.

Meet the basic requirements

In Michigan, if you own and operate a vehicle, you’re required to purchase mandatory insurance coverage, including Liability, Personal Injury Protection, and Property Protection Insurance.

If you don’t have the minimum required coverage, penalties include a potential misdemeanor, fines, and having your drivers’ license suspended or revoked. In the event of an accident, you won’t receive any insurance benefits and could be subject to a lawsuit to pay costs that insurance would otherwise cover.

Choose the options that fit your situation

Beyond the minimum requirements, there are personal risks to not having higher levels of coverage. The right coverage can protect your health and finances if you’re injured in an accident, your vehicle is damaged, or if you’re found at fault for injuring another person or damaging their property. Focusing on both the cost and quality of your coverage is important so that you don’t take on unnecessary risks.

Beyond the minimums, you may want to increase certain coverage limits to protect yourself should an accident occur. For example, choosing to no longer have full no-fault coverage after July 1 puts you at risk for being sued for the percentage that you contribute to an accident, which is the Contributory Negligence.

Next Steps?

Schedule a virtual appointment for your full policy review and risk assessment from Frost & Remer. We will make recommendations to ensure that you have the best coverage possible, with a premium you can afford.

Schedule your free consultation. Learn about our discounts for students, teachers, multiple vehicles and policies, as well as the many other benefits of insuring with Frost & Remer.