The Michigan car insurance offers a wide range of insurance cover to drivers on the highway. It is a legal mandate that you insure your car regardless of the cost of the premiums that will be charged. It is also important to know what your insurer will cover in case of an accident to avoid disappointments in future.
Insurers in Michigan are quite unique and will only compensate you depending on the deductible amount and the extent of damage. For instance, if a thief breaks into your car window, a comprehensive cover plan will only compensate for the cost of repair. This means that they will only compensate you for the window and not for theft as a result of the break-in. It is important to take note of the deductible. A deductible is the amount of money that you must pay before the insurer can pays the rest. For example, if the car window costs Two hundred dollars and you have a deductible of One hundred and fifty dollars, the insurer will only pay Fifty dollars.
In case of a serious accident like a head-on collision, the deductible even though not apparent will still be in existence. If the damage costs Four hundred dollars to repair, the deductible amount which you will pay will only be Two hundred dollars; the rest will be paid by the Michigan car insurance.
The Michigan car insurance does not provide a No fault insurance cover. This means that if you get hit by another driver, your insurer will have to cover the costs.