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The personal auto policy in Michigan is the best in the country in terms of how well it can protect us from financial loss and protect our quality of life. We have loads of choices to make when buying our auto policy and these choices were documented in the application we signed. Our decisions were based on our understanding of the auto policy and our life situation at the time. Thankfully most of us won’t find out how well our decisions would hold up in the real-world event of being in a serious auto accident. Still, it might be time for a tune-up on your auto policy.

Here are some situations to consider before you contact your insurance agent for a good conversation:

  • You can be sued in an auto accident – even if you’re not 100% at fault.
  • In an auto accident with a motorcycle, your auto policy’s Personal Injury Protection (PIP) pays for the motorcycle driver’s medical costs, even if you weren’t at fault.
  • You need to understand what happens if you are sued in an auto accident and your limit for lawsuit protection is reached.
  • If your child isn’t living with you, your auto policy won’t pay for your child’s auto accident medical costs — even if they’re driving your car.
  • You need to understand what your auto policy does for you if you are injured in an auto accident by someone with no insurance. (This is especially important for high wage earners!)
  • If you’re relying on a health policy to cover your auto accident medical costs, you need to know what costs typically are not covered.
  • If you are an Uber or Lyft driver, there is a point your auto policy shuts off, and you need to rely on some other means to insure your driver-for-hire adventures.

If any of this makes you want to revisit the decisions you made on your auto policy coverage, it’s time to pick up the phone and contact your insurance agent today!