Consumer Information Insurance Division

Coverages such as collision insurance, comprehensive insurance, property damage liability, and bodily injury liability can help cover the cost of expensive claims if an accident occurs. Selective personal vehicle insurance is a type of insurance for individuals that protects their car, truck or SUV in the event of an accident, weather conditions or any other type of claim situation. Depending on the type of car insurance you choose, coverage can pay for repairs or medical bills and even help you get a rental car if you ever get a collision. When they occur, it’s important to be prepared by having the right level of auto insurance coverage. With Selective, you and your car are well protected by unique personal car insurance coverages backed by flexible deductible options.

A daily limit in dollars and the payment ends at the time of settlement. Roadside service Yes, reasonable towing and labor costs required at the location where your car breaks down.5 Learn more about highway emergency service coverage. Yes, if your new vehicle is a total loss after an accident, it will be replaced by a new vehicle from the previous model year.6 Read more about replacing new and used cars. It can only be available for the first year after the purchase of the vehicle. If your car is added up, you can replace an older car with a vehicle that is two years newer.6 Lease Loan Protection also allows you to cover the balance of a car loan if your car (24 months or more) has been counted (excluding transfer balances). The coverage replaces your older car with a vehicle that is only one newer model year.

Car liability insurance or protection against personal injury, you may be looking for high medical bills, court fines and civil liabilities if someone is injured or killed in an accident you caused. Not having insurance at the time of an accident can also lead to crime costs if it is DUI or reckless driving. Your auto insurance deductible is the amount you are responsible for paying the amount of a loss before you pay for your auto insurance coverage. The lower the deductible, the less you pay out of pocket if an incident occurs. For example, if you choose a $1,000 excess for auto insurance and have a covered loss that causes $2,000 in damage to your car, you are liable for the first $1,000. And states that have a debt-free auto insurance system require car owners to purchase personal injury protection.

Along with this coverage, it covers any legal liability. Choosing a lower level of PIP medical coverage does not affect what products, services, and accommodations are covered if you are injured in a car accident. However, there would be a dollar limit on the medical bills your insurance company will pay. For example, if you choose $250,000 in coverage, that’s the maximum amount your auto insurance company pays, and you may be personally liable for bills that exceed that $250,000 coverage.

Motor insurance companies are evaluated by the MCCA, as are car insurance companies. Although the motorcycle policy does not include personal injury benefits, motorcyclists are still entitled to pip medical benefits if they are injured in a motor vehicle accident. Therefore, motorcycle insurers are required to pay for an evaluation to the MCCA for all motorcycles they insure, which is usually passed on to the motorcycle policyholder. As before the new legislative changes, the motorcyclist is entitled to pip medical benefits from the insurer of the owner of the motor vehicle if a motorcyclist is injured in an accident with a motor vehicle. The motorcyclist would be limited to the amount of PIP coverage in the applicable policy. If no coverage exists, the motorcyclist is entitled to up to $250,000 in medical benefits if needed under the Michigan Assigned Claims Plan.

Protect yourself and others: The right car insurance can help you, your family members, your passengers and other drivers. If an accident happens, you want to know that you have the right coverage to settle any property or bodily injury costs. Request a quote for car insurance online or talk to an agent today Texas Car Insurance for Teen Drivers to learn how to protect yourself and your family. The PIP exclusion and PIP exclusion options apply only to the medical portion of PIP. Lost wages, survivors’ loss, and replacement services are still included in your policy, and your insurance company may charge you a premium for these pip benefits.