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Full coverage is considered having at least the state mandated liability coverage plus collision and comprehensive. Collision covers damage to your vehicle resulting from striking being struck by another vehicle or striking fixed property like a tree or a house. Comprehensive is for acts of nature or a vandal. It typically covers theft, vandalism, falling objects (trees or limbs), and other random events.
It is VERY important to note, having full coverage does NOT mean your deductible gets waived when you're not At Fault. Because Michigan is a No Fault state, there are three types of collision coverage you can purchase.
1. Standard Collision - whatever deductible you choose applies regardless of fault. If the other driver causes the collision, you are allowed to recoup up to $500 from him or his insurance company.
2. Broad Collision - whatever deductible you choose is waived if you are not at fault for the accident, but applies if you cause it.
3. Limited Collision - whatever deductible you choose applies. BUT it only pays if the other driver causes the accident. If you are at fault, your insurance will NOT pay for your vehicle damages.
Full coverage does NOT include rental insurance. Some insurance companies automatically provide rental coverage on all their policies, others let you choose if you want it and how much coverage you want.
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Can you have liability only car insurance in Michigan?
In state of Michigan, you can only have liability coverage if your car is paid off. Otherwise, you will have to purchase a full coverage policy.
What states can you get full coverage insurance on cars with salvage titles and what companies will insure these cars?
Ohio Michigan
Does Michigan require car insurance?
The state of Michigan does require that all drivers have some car insurance. This includes either having liability or full policy coverage.
How many hours to work to be considered full time in Michigan?
40 hours or more
Do you have to have full coverage if the title is in your name?
do I have to have full coverage if the title is in my name
Does a separate maintenance agreement affect BC-BS of Michigan coverage?
How does a separate maintenance agreement affect Blue Cross-Blue Shield coverage in Michigan?
Is it true that Michigan car insurance is no-fault insurance?
Yes, Michigan law requires no-fault coverage for all motor vehicles. This coverage must include personal injury, property damage, and liability coverage.
If you have full coverage do you need UMPD coverage or will full coverage suffice if you are hit by an uninsured driver?
you dont have to have umpd coverage if you have full coverage but most of the time on full coverage it has umpd and if you dont have umpd your collision will pay for fixing your vehicle but most of the time there is a higher deductible on collision I know this because i am an insurance agent
Will you be considered Michigan resident if you work in illinois?
You are considered a Michigan resident if you reside or live in Michigan.
Does full coverage insurance cover any licenced driver?
If they are added to your policy as a scheduled driver yes they will be considered a covered driver.
Does full coverage cover auto theft?
there really is no such thing as 'full coverage', i know many people have heard and said this, if you have 'comprehensive' coverage on your vehicle that is the coverage that applies to this type of loss........
How much does primary insurance cover?
It is different depending on what company and plan you get. Full coverage from one company can differ from full coverage from another company, and minimum coverage can vastly differ from full coverage even within the same company.
