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If you have been wrongly injured, we would be happy to review the specific details of your case to determine how we can help. Choose Category. By Goodman Acker P. October 29, As a driver in Michigan, you have several responsibilities that must be fulfilled legally. Unlimited medical coverage. By : motor1. Advertiser Disclosure Each state has its own laws about car insurance, and most require drivers to carry personal liability and property damage coverage, or PLPD insurance, as a bare minimum.
These states may not require PL insurance, but they do require PD coverage There are also two states that do not require auto insurance: Virginia and New Hampshire. Here are other types of auto insurance that are either required by certain state laws or commonly recommended: Types Of Car Insurance Other Than PLPD Personal Injury Protection PIP Commonly required in no-fault states, this insurance covers your own repairs and injury-related costs no matter who causes the accident.
PIP insurance may also cover funeral costs. Collision Insurance This covers the cost to repair your own vehicle when you are at fault for an accident. It also covers costs when you are the only party involved, such as if you hit a tree. Medical Payments MedPay This insurance covers medical costs beyond your health insurance limits, including copays and deductibles for accident-related injuries.
Roadside Assistance This add-on covers towing, tire changes, lockouts, and other emergency roadside services. Rental and Travel Costs This can help cover rental costs while your vehicle is in the shop and unexpected lodging costs if an accident occurs far from home.
Rideshare Insurance Some companies offer supplemental insurance for rideshare drivers if using their personal car for services like Uber and Lyft. Geico: Reviews, Coverage, And Cost Best Delaware Auto Insurance As with bodily injury, your coverage is limited to the amount you agreed on when you purchased your policy.
Personal liability is one of many other types of insurance that can protect you against significant financial loss from damage or injury. Here are a few other types of coverage you may find helpful:. Personal liability and property damage insurance covers the majority of costs associated with an accident — at least for the other driver and car. It covers medical costs for the other driver or passengers if injured, legal costs if they sue, and damages to their car if there are any.
In addition, damages that might result from a one-car accident — for example, if you swerved off the road and ran into a store front, PLPD would pay for the repairs. What PLPD does not cover is anything related to yourself, your passengers, or your own car. In addition, all payouts with PLPD are limited by predetermined caps. Every state except New Hampshire requires you to carry liability insurance.
These numbers mean that you have:. Although your state will have a minimum requirement, it may be a good idea to carry more than the minimum to adequately protect you, since costs can mount up quickly in an accident.
You pull out too quickly from a side road and cause an accident, and the other driver ends up in the hospital with a multiple fracture of their shoulder. We recommend contacting several companies for quotes — or use online quote tools — to find out what to expect for the cost of coverage. Then either talk to an agent to apply, or purchase the policy online. Depending on the type of accident you are in and the damage it causes, you may need either or both parts of the coverage.
Personal liability can also be referred to as bodily injury coverage. Personal liability can cover the injuries, lost wages, pain, and suffering of the drivers, passengers, or pedestrians caused by an accident in which you are at fault. These are the maximum amounts of damage for which you are covered, commonly known as split limits. The first number is the maximum amount to be paid out per person.
The second number is the maximum to be paid out per accident. Property damage is included in all vehicle insurance policies.
This coverage kicks in if you cause damage to property with your vehicle, such as:. The coverage is typically displayed as a third number after your personal liability coverage. The last , is the property damage limit. This is how much your insurance company will pay out per accident in property damage claims.
You will not be responsible for paying the deductible when either personal liability or property damage coverage kicks in. However, if you are at-fault in an accident, your insurance rates are sure to go up.
How much your insurance company will cover if you cause an accident depends on two factors:. If multiple people are injured in an accident, claims are paid out on a first-come, first-serve basis. This means whoever files a claim first has the first opportunity at being covered up to the stated limits.
The maximums stated in your policy are the ceiling for what your insurance company will have to pay. If individuals suffer injuries worth more than the insurance coverage you have, they can also try to hold you accountable for more by taking you to civil court.
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