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Lansing, Michigan Auto Insurance Laws

Insurance law is planned and formulated by the state and cities within the state are required to implement those laws. Therefore, like any other state, Michigan has its own auto insurance law, the no-fault insurance law, and the Lansing car insurance authorities are required to implement as well as monitor compliance of this law within the city limits. The important requirements of car insurance in Lansing are discussed below:

Mandatory Car Insurance Coverage Required in Lansing

Lansing requires every car owner to purchase the minimum prescribed auto insurance coverage in order to register vehicles in Lansing. It is against the law to drive vehicles without carrying the minimum prescribed auto insurance coverage. On the other hand, it is also illegal if you let somebody else drive your vehicle without no-fault insurance. The no-fault insurance, which is mandatory to be followed by all, has three parts, as given below:

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) pays the full medical expense, if you are injured in any auto accident. Also, owing to auto accident related injury you may loose your wages, which you would have earned if you had not been injured in the accident. Therefore, personal injury protection also pays the wages that you would have earned for a period upto three years.

In the unfortunate event of death due to auto accident, your policy will pay your family for three years, on a monthly basis. This amount is based on the amount that they would have received from your earnings.

In addition, as PIP insurer you will also receive upto $20 daily in replacement service, which is to pay for the services that you are not able to provide by your own for you or your family due to injury such as day-to-day household job.

Another key advantage of PIP is that you may club PIP coverage with any health or disability coverage you have in order to reduce your PIP premium. The advantage is that after the clubbing, health/disability coverage becomes the primary payer for medical or wage loss expenses and the auto policy shall cover remaining medical or wage loss expenses. These auto insurance coverages are also called excess medical and excess wage loss.

Michigan No-Fault Automobile Insurance:
Type & Coverage Options

Property Protection Insurance (PPI) - Property protection insurance covers up to one million dollar for damage caused to other’s property by your car. PPI also covers the damage your car does to other’s vehicle properly parked.

Residual Liability Insurance - Bodily Injury and Property Damage (BI/PD) - Residual Liability insurance i.e. bodily injury (BI) and property damage (PD) cover you i.e. pay on your behalf up to the minimum prescribed limit if you are legally held responsible for causing accident or damage. The minimum prescribed limits of liability coverage are 20/40/10. 20/40/10 means the following:

• Maximum up to $20,000 for one person injured or killed in an accident.
• Maximum up to $40,000 for each accident if several people are killed or hurt.
• Maximum up to $10,000 for property damage in other state.

Optional Automobile Insurance Coverage - You have seen the need, necessity and advantages of personal injury protection, property protection insurance and the residual liability insurance that includes bodily injury and property damages. Together, these cover most of the risk you can expect in any auto accident in usual cases. However, an auto accident is always an unusual case.

Even the most experienced and skilled drivers commit minor mistakes which can potentially result in unexpected and horrible auto accidents. Therefore at this time, courts hold drivers responsible for causing accidents and make them liable to pay compensation which may be much more than the covered amounts or insured limits. Imagine, with the increasing cost of medical & healthcare facilities and auto repair, how tough it is to pay someone such huge compensation from your own resource.

Therefore, it is a common feature in Lansing to purchase additional car insurance coverage. These coverage options are not required by law but many people purchase them to avoid any unpredicted huge financial loss. The most common additional coverage is:

Collision Insurance - Usually the auto insurance coverage required by law does not cover damages caused to your car. Collision insurance fulfills this need. It covers the damage caused to your car due to collision with another vehicle or object such as tree or another car etc., regardless of the fault. However, the collision insurance coverage pays the lower amount between the cost of repair of the damaged vehicle and the fair market value of the vehicle.

Comprehensive Insurance - This covers your car for damages caused by anything other than collision such as fire, severe weather, vandalism, floods, theft etc. It also covers damages caused to glass, windshield etc.  Losses caused by the following factors are usually covered by comprehensive insurance:

1. Fire, explosion, missiles, falling objects etc
2. Earthquake, windstorm, flood etc.
3. Theft or larceny;
4. Malicious mischief
5. Riot, civil commotion, vandalism etc.
6. Contact with a bird or animal or
7. Breakage of glass, windshield etc.

Uninsured Motorists Coverage (UM) - Over the last few years, this coverage has increased in popularity due to the menace of an increasing number of uninsured motorists. Uninsured motorist coverage pays if any uninsured motorist injures you or any member of your family, with a limit of $20,000 per person and $40, 000 per accident. However, this does not cover damages to your vehicle.

Most Common Lansing, Michigan Auto Insurance Discounts

The more safe you are, the better it is for insurance companies. Therefore, insurance companies offer discounts for any safety feature that you adopt. In addition, insurers also offer various other discounts and you as a purchaser must ask for details of these discounts. A tentative list of car insurance discounts available Lansing, MI in is given below for your ready reference.

• Airbags and other occupant protection
• Anti-lock brake systems (ABS)
• Antitheft devices
• Good student
• Mature drivers
• Multiple policies
• Premium paid in full
• Good driving record
• Student away at school

Purchasing Lansing Auto Insurance Coverage:
Shopping & Savings            

Insurance companies are permitted by Michigan law to decide their rates based on their previous experience and expenses. Now, since experience and expenses varies from company to company, rates for a given coverage plan also vary from company to company. Therefore, there is always good opportunity of saving money by shopping around for Lansing auto insurance coverage.

While shopping for Lansing car insurance, try to get as many quotes as possible. Compare these quotes on various parameters such as cost, risk coverage, discounts etc in order to choose the most suitable quote. Through comparison of quotes, you can choose the best coverage at the least cost. Moreover, you will have satisfaction of choosing the coverage that suits your specific needs and your budget.

Start shopping for Lansing car insurance now with our free Lansing car insurance quote tool!