Property protection insurance is one of the basic insurance requirements in the state of Michigan.  When you start comparing Michigan automobile insurance quotes make sure the basic coverage fits your needs. 

Property protection insurance will cover any damage that you cause with your automobile to another’s car or property whether it is your fault or not. 

For example:  Suppose you are driving and someone pulls out in front of you. You swerve to miss them, and in the process, hit the side of a building or a parked car.  This is where your property protection insurance pays off.  Of course, the limit of coverage is $1 million dollars, but not too many of us cause that amount of damage.

When getting Michigan insurance quotes check your deductible, too, because property protection insurance does not cover any repair to your car or cars, or your property, it only pays for someone else’s. 

What if someone involved in an accident wants to sue you?  An agent for Michigan automobile insurance quotes can tell you what the law is for the state of  Michigan.  This is where residual liability insurance offers protection. 

Most of the time it protects you from being sued in the event of an accident.  You can be sued if you are at fault in an accident and someone is killed, permanently disfigured, or seriously injured; if an accident involves someone that does not live in Michigan, or the person or car is not registered in Michigan; if you have an accident in another state; and finally if you are involved in an accident and are more than 50% at fault.  If the other car involved in the accident does not have coverage or does not have Michigan automobile insurance you can only be responsible for $500.

Insurance can sound complicated so it is a good idea to get an agent to explain the requirements  and get Michigan Insurance Quotes before choosing a policy.