Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati....

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jan 16, 2013

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When shopping for full coverage auto insurance details in Michigan, keep a few things in mind. The state has a high crime rate. That means more cars are stolen there than in different states. Also, they have more drivers on the road than in many states. This accounts for more accidents and other things that may occur to your vehicle.

For those reasons listed above, you’ll need to be fully insured in case something happens. You don’t want to have minimum coverage when you crash. The effects can be detrimental to your pocket. You’ll end up spending more money and time finding full coverage.

Here are some things that full coverage will give you:

  • Broad Collision – When you hit somebody else, this will help you out. You will need to pay your deductible first. If the accident was not your fault or you were parked legally and someone hit you, the deductible will not be withdrawn.
  • Bodily Injury – When the worst happens, this is here to protect you and anyone else that is in your vehicle at the time. It covers your medical bills, which can add up, and the other person’s. If the accident is the fault of another driver, bodily injury will not have to pay out on your policy, but theirs.
  • Personal Injury Protection – You could end up taking a big hit if you get into an accident. Hopefully this doesn’t happen to you, but accidents occur when you don’t think they will. It will help pay for lost wages, medical expenses and will cover anyone else that is in your vehicle at the time. This is vital because you don’t want to have to face a loss of any kind.
  • Limited Collision – This will only cover you if you were not at fault during an accident. Limited collision, as the name states, is a good because it helps you when the worst happens. So many people in Michigan drive with no insurance. You will need this type of security when someone like this hits your car.
  • Property Protection – If and when you destroy someone else’s property in an accident, property protection will help pay for any damages that occur to one’s property. It can pay up to one million dollars in damages.
  • Roadside Assistance – This is great because when an accident occurs or you are stuck on the side of the road with vehicle problems, a tow truck will come out to the rescue. You can use this at any time something happens, day or night.

If you’re looking for full coverage auto insurance details in Michigan, these will help you understand your policy better. You won’t get stuck on the side of the road ever again with full coverage.

Call your insurer today and take advantage of full coverage auto insurance details in Michigan. This type of insurance will keep you and your family protected.