In Michigan, liability insurance, or basic auto insurance, is required by law for all drivers. If you’re interested in securing the best possible protection for whenever you’re on the road, understanding how to choose between comprehensive and collision auto insurance is essential. For those living in Rochester Hills, MI, Guy Hurley McNeil is here to help you better understand the distinctions between collision and comprehensive auto insurance plans in Michigan.
Collision Insurance in Michigan
In Michigan, collision insurance provides the following protections and coverage:
- Single-Vehicle Accidents: Damage from a single-vehicle accident is covered.
- Vehicle Collisions: In Michigan, collision coverage covers collisions with other vehicles and objects (such as trees or guardrails).
Advantages of collision insurance in Michigan include:
- High-Value Vehicle Protection: This is ideal for newer vehicles that may be more expensive to repair or find suitable replacement parts for existing damage.
- Focused Protection: Specific protection for collisions can help you maintain peace of mind whenever you’re involved.
Comprehensive Auto Insurance in Michigan
Comprehensive auto insurance in Michigan offers coverage for the following:
- Weather-Related Damage: Damage from storms, windstorms, floods, and lightning is covered.
- Theft: Theft, vandalism, and malicious mischief are covered.
- Animal Collisions: Collisions with an animal may be covered with a more comprehensive plan.
- Glass Damage: Windshield damage or glass cracks may be covered.
Advantages of comprehensive auto coverage in Michigan:
- Broader Protection: Comprehensive insurance expands traditional auto insurance protection to defend against a range of risks that may not even be related to driving.
If you’re living in Michigan and need a new auto insurance plan or policy, Guy Hurley McNeil can help. To learn more about the differences between comprehensive and collision auto insurance in Rochester Hills, MI, contact Guy Hurley McNeil today.
