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Understanding the Michigan Car Insurance Law
The State of Michigan requires drivers to have a minimum bodily injury liability of $20,000 and $40,000 for single and total injuries incurred respectively. However, most drivers prefer purchasing a higher car insurance coverage that amounts to $100,000 and $300,000. It is their choice and is left under their discretion, but the State only requires this minimal amount to help safeguard the needs of the victim of a certain accident.
Aside from the bodily injury liability, Michigan car insurance policy should also contain property protection coverage of $1,000,000 and property damage of $10,000. Nevertheless, many still purchase additional coverage including comprehensive, underinsured, collision, and medical payments car insurance. It is their right to do so, especially if they feel a special need to have themselves protected against unfortunate incidents.
The State of Michigan does not control which car insurance company drivers need to choose. It is their liberty to explore the different car insurance company offering these services. It is their duty to investigate if it offers reliable services. It is their responsibility to see to it that the above-mentioned minimal requirement is met without any difficulty. However, it is highly recommended that drivers consider the customer satisfaction ratings of these companies before they start signing any car insurance policies with them.
Investigate the background of the car insurance company you intend to deal with. Do not focus on the cheap car insurance policy in Michigan offers, but consider the availability of their services when the need arises. Inquire if they offer discounted rates for special packages and other treats they are willing to offer new and existing clients. Learn the number of individuals who trusts in their car insurance policy and take note of any negative feedback that may come from their existing customers.
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