1995 E Auburn Rd
Rochester Hills, MI 48307
The State of Michigan is a No-Fault auto insurance state. No-Fault means that in a car accident your auto insurance company will pay for any property damage and any personal injury you suffer regardless as to who is at fault, within the limits of your policy. Historically in Michigan, in an auto accident, many times a person will file a lawsuit to decide fault, which could take years in court. In no-fault, you give up your right to file a lawsuit except if you suffer severe bodily injury or death, for a relatively quick monetary recovery.
Personal Injury Protection
There is a provision of the no-fault law referred to as the "mini-tort" which, permits you to sue, as an exception to no-fault, if the other party as at fault of 50% or more. In this situation, there is a simple legal procedure to require the party at "fault" to pay $1,000 in damages which are not covered by your no-fault insurance.
Uninsured and Underinsured Motorist Coverage
If you are in a car crash with an uninsured motorist, you are protected if you purchase the additional coverage, which is not required under Michigan's no-fault system. If your in an accident with a person who is at fault and is underinsured, you would collect the difference from your underinsured policy. Your uninsured policy will also pay for any damages, up to the limits of your coverage.
Guy Hurley McNeil, LLC in Rochester Hills, MI is the agency of choice to purchase auto insurance. Our agents can work with you to answer your questions and make sure you are covered under Michigan state law. If you are looking for auto insurance quotes, try our online rating tool. If you are in the Rochester Hills, MI area, please stop by our office or give us a call to learn how to get started on a policy.
Looking for a dependable and trustworthy insurance agency? Northern Oakland & Macomb County residents rely on the McNeil Agency, Inc. We've been helping residents of the local communities since 1950. Our agents are all members of the community so we understand the local marketplace. We represent several outstanding insurance companies which allows us to tailor an insurance policy to your specific needs.