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Required Auto Insurance in Michigan

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Each state has its own laws about the type of auto insurance required for its drivers, and Michigan is a unique one with unusual requirements. If you have a vehicle, it’s a good idea to learn more about the many different types of coverage that the state requires. If you need auto insurance in Southeast Michigan, contact us at Atlas Insurance Agency to talk to our team about your specific needs. 

A No-Fault State

Michigan is classified as a no-fault state, meaning that if you are in an accident, you are responsible for your own medical bills no matter who set the accident in motion. Because of this, the state requires you to carry personal injury protection insurance, often called PIP. This coverage will pay for your medical bills associated with the accident. There are several PIP options available, so Michigan drivers choose how much coverage they want and need to stay legal.

Property Protection

This required type of insurance has a high maximum so that there is little chance of you having to pay out of pocket. The coverage pays for any damage caused by your vehicle when the accident happens within the state. It will also pay for damage that your vehicle causes to a parked vehicle. 

Residual Liability

This required liability coverage covers both bodily injury and property damage done by your vehicle. There are specific minimums for the amount of bodily injury coverage for each person who is either injured or killed. There is another mandatory minimum for the total amount for bodily injury for the total accident when it affects two or more people. The second part of this coverage is property damage liability. This part covers property damage that your vehicle causes when you are in a different state. 

Talk to an Agent

If you need auto insurance in Southeast Michigan, don’t hesitate to call us at Atlas Insurance Agency.

Required Commercial Insurance in Michigan

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Every state has its own rules about the types of commercial insurance that businesses are required to have. There are two required insurance policies in Michigan, but there are other policies that benefit small businesses. If you need commercial insurance, call us at Atlas Insurance Agency in Southeast Michigan to talk to an agent.

Workers’ Comp Insurance

A workers’ compensation policy is required of all Michigan businesses that have at least one full-time employee. This policy is mandated by law, but it also benefits you and your workers. Suppose an employee should become sick or injured while at work, workers’ compensation will be there to pay for the medical bills. Without this insurance, you could face multiple lawsuits from sick or injured staff members who need their medical bills paid. 

Commercial Auto Insurance

The other mandatory commercial insurance policy for businesses is auto insurance. When any business owns a vehicle, it has to have a commercial policy. If a vehicle is used for business, personal auto insurance policies won’t cover it. And if the vehicle isn’t owned by the company itself but gets used for business reasons, personal auto insurance would likely not cover it. In that case, you need auto insurance called hired and non-owned. When your vehicles are covered properly, accidents that happen won’t sink your business due to its costs. 

Other Policies

There are other policies for businesses that are helpful but not required. Cyber liability insurance is needed if your business does a lot online or keeps data that could be breached. There is also business owners’ insurance that covers your general liability as well as commercial property insurance. 

Make Your Appointment

If you need insurance policies for your business, call us at Atlas Insurance Agency in Southeast Michigan to make an appointment to speak with an agent. It may be one of the best things you ever do for your business.

What is included with a home insurance policy?

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Buying a home is one of the most momentous occasions in someone’s life. When you purchase a home in Southeast Michigan, you are not only getting a place to live, but you will also be making a great long-term investment. If you are going to purchase a home, it is vital that you continue to insure it properly. A full home insurance policy can include several forms of coverage that could make it a great investment and purchase for you. 

Liability Insurance

One important form of insurance coverage that you will get with home insurance is liability insurance. When you are a property owner, you could be held responsible if a guest is injured or a flaw in your home causes damage to another’s property, which could be a result of a leak or fire. The cost to cover these claims can be high. Fortunately, when you get a full home insurance policy, you will receive the coverage and protection you need to mitigate these risks.

Protection and Coverage for Dwelling

Another advantage included with an insurance policy is that you will receive coverage and coverage for your house. Your property is a significant and major asset that needs to be protected. A great way to do this is by getting home insurance, which will give you coverage to repair your home if it is damaged.

If you would like to get a home insurance policy in Southeast Michigan, you should call the team at Atlas Insurance Agency. When you call Atlas Insurance Agency, you can get the support you need to choose a new policy. The team here will assess your needs and give you the support needed to choose the right policy for your situation.