Auto Insurance
Local Auto Insurance Agency in Michigan
Auto insurance in Michigan has changed significantly. While every big-name carrier is advertising the lowest insurance rates, they don't know you or your needs.
Our approach is different. We consider your vehicles, driving records, personal financial situation, and many other factors to tailor an auto insurance policy to meet your needs.
Whether you're looking to insure the family car or a motorcycle, RV, watercraft, ATV, or snowmobile, you'll be able to enjoy the ride confidently, knowing that you're covered.
Interested in switching auto insurance? Contact our local auto insurance agency in Michigan now.
How Auto Insurance Has Changed in Michigan
You might’ve heard that auto insurance has changed in the State of Michigan. That’s because as of July 1, 2020, the no-fault insurance law has changed with the State of Michigan Public Acts 21 and 22 of 2019.
This law brought major changes to the unlimited Personal Injury Protection (PIP) medical benefits for the lifetime of a person injured in a car accident.
Additionally, this law reforms the previous no-fault insurance requirements to provide more insurance coverage options, lower rates, and strengthen consumer protections. This applies to auto insurance policies issued or renewed after July 1, 2020.
Interested in switching auto insurance? Contact our local auto insurance agency in Michigan now.
Auto Insurance Coverage Options
There are many variables that can impact your insurance rates, from broad collision, liability limits, personal injury protection limits, and more.
That is why there are multiple coverage options you can choose from to prepare you for various factors, such as:
Mini-Tort: The Exception to No-Fault Insurance
There is one exception to Michigan’s no-fault law, called mini-tort. Mini-tort is a provision inside Michigan’s no-fault insurance law that allows not-at-fault policyholders to collect non-reimbursable expenses from at-fault policyholders.
If you’re 50% or more at fault in an accident, and damages to the other driver’s vehicle aren’t completely covered by their insurance, you may be sued and required to pay up to $3,000 in damages.
This also means that you may sue the other driver for damages to your car, which are not covered by your insurance, if the other driver is 50% or more at fault.
Interested in switching auto insurance? Contact our local auto insurance agency in Michigan now.
We're a Local Auto Insurance Agency in Michigan Here To Help
With these new changes to auto insurance and the variety of coverage options to choose from, our team is here to ask the right questions and make sure that you understand the different coverage options available.
Contact us today to learn about the car insurance options that fit best for you.
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Our agents are ready to ask the right questions to help you get the best coverage at the best price. Request a proposal now.
Insurance Network Agency
Battle Creek, Michigan
732 Capital Avenue, SW
Battle Creek, MI 49015
(269) 968-0577
Hours
Monday - Friday: 8:30 am - 5 pm
Smith Pulling Insurance Agency
Albion, Michigan
800 South Superior Street
Albion, MI 49224
(517) 629-5555
Hours
Monday - Friday: 8:30 am - 5 pm