What Does Auto Insurance Cover?

Our agents at the Guy Hurley McNeil Insurance Agency, serving the Rochester Hills, MI area, want you to know that auto insurance is required in Michigan.

Auto Liability Insurance

All drivers in the state of Michigan must have at least an auto liability insurance policy. If you drive a vehicle, you better have auto liability insurance if you are pulled over or involved in an accident. The reason for this is to protect you and the other driver if you cause an accident and the other driver or their passengers suffer injuries or property damage. While auto liability insurance coverage is required, there are several different auto insurance options you can choose from to add to your policy.

Comprehensive Insurance Coverage

Comprehensive insurance is a wonderful policy to have in place. This is because it will help you financially if your vehicle is destroyed or damaged by a tornado or some other natural disaster. It will also help you cover expenses if your car catches on fire or someone vandalizes it. If you walk outside to get in your vehicle and it’s gone because somebody stole it, your comprehensive insurance policy will help you replace it.

Collision Insurance Coverage

Collision insurance is also important. This is because at any time, while you’re driving on the road, you could collide with another vehicle or some sort of object, such as a pole or sign. If this happens, this part of your policy will help you repair your vehicle.

Uninsured or Underinsured Motorist Coverage

You never know when you will become involved in an accident, and the other driver may not have enough insurance to cover your injuries or property damage. This is the reason it’s a good idea to have uninsured or underinsured motorist coverage to make up for the lack of insurance on the other person’s part.

Contact Guy Hurley McNeil Insurance Agency

There are other types of auto insurance coverage that our agents at the Guy Hurley McNeil Insurance Agency, serving the Rochester Hills, MI area, can help you choose from, along with the main ones listed above. Call today for an appointment and get your policy started!