The next time you have the opportunity to look at the your current auto policy you may want to check that your Car Insurance in Ann Arbor is adequate. Your liability limits must meet the minimum standards in Michigan, which are 20/40/10, however, the Heidi Kussurelis Agency in Brighton recommends you go a little higher to protect yourself. Just to review, the first number, 20,000, refers to the amount that your agent will pay for the injury of one person in an accident that you may have injured when you were at fault. The second number, 40,000, is the dollar amount they will pay for all passengers that you may have injured, while the third number, 10,000, is for any property you may have damaged. In most cases that would be the vehicle that you hit.
The second part of the policy, which protects your vehicle, has two parts. First, there is collision, which pays for the repair of your auto that may have been damaged in an accident , and there is comprehensive coverage which consists of a list of covered instances. This part of your policy protects your vehicle against damage by the weather, such as wind, rain, hail or any natural disaster. It will also cover you if the vehicle is stolen or vandalized. It will also protect your auto from damage by falling objects, such as a tree limb. It will also cover, and this may seem strange, any damage your vehicle may sustain if you run into an animal on the highway, something that is very common in Michigan. Even though it is technically a collision it would be covered under the comprehensive section of your policy.
Remember, both collision and comprehensive coverage are subject to your deductible. Most policies at the Heidi Kussurelis Agency in Brighton have deductibles that range from $100 to $500. The deductible, of course, is the portion of the damage to your vehicle that you must pay. The amount you choose to pay out of your pocket will affect your premium. The higher the deductible the lower the premium. You may want to contact your current agent and go over this part of your policy by getting several quotes to see what needs fits you the best.
