Auto Insurance

Auto insurance plans and policies are intended to provide financial assistance for the coverage of car-related damages and losses. Protection is not only provided to a driver and their car, but also to passengers, other drivers, surrounding pedestrians and property. Auto insurance plans also protect drivers in the event a lawsuit unfolds as a result of an accident.

Acquiring the best possible car insurance starts with having the appropriate knowledge of requirements in your home state. The Heritage Wise Group is a leading insurance company that serves drivers in the Saginaw, Bay City and Midland areas of Michigan.

The types of coverage typically required in Michigan include:

  • Bodily Injury Liability
  • Property Damage Liability
  • Personal Injury Protection
  • Property Protection

Optional coverages:

  • Uninsured Motorist
  • Underinsured Motorist
  • Collision

ComprehensiveThe coverage for bodily injury liability gives protection for costs related to injuries or death of another driver or pedestrian involved in an accident where you are at fault. In this premise, your auto insurance plan will help you pay for bills such as medical fees, funeral costs, emergency assistance, loss of income and expenses for legal proceedings. In Michigan, the requirement is a $20,000 limit per-person, with a $40,000 limit per-accident.

Coverage for property damage liability involves protection toward expenses occurring when damage is caused by you to another person’s property, including their home or car. Under this coverage, one can be assisted in providing funds for the costs that come with repairing and/or replacing a car, the structural damage to a home or even the replacement of a stationary object. The Michigan requirement for this coverage includes a $10,000 limit.

Personal injury protection is great for when you and/your passengers are injured in an accident. It provides coverage for medical bills, as well as lost wages and income continuation. Typically, this coverage varies based on an individual’s amount of health insurance coverage. Property protection covers costs relative to buildings, parked cars and other various stationary structures being damaged. The requirement for this coverage in the state of Michigan is a $1,000,000 limit.

Along the above-mentioned car insurance coverage requirements for the state of Michigan, one can also obtain additional optional coverages in their auto insurance plan with the Heritage Wise Group. Securing uninsured motorist coverage assists when you’re involved in an accident where you’re not at fault and the other driver lacks any insurance, while underinsured motorist coverage applies to when the other driver doesn’t possess enough insurance. Further regarding underinsured motorist coverage, the difference between your personal bills and the other driver’s coverage are covered up to the limits of your policy.

You can also opt for collision coverage, which pertains to the necessary costs that come with replacing or repairing your automobile when it has been damaged from an accident. This coverage does include a deductible, which results when a portion of the damage is personally paid by you, with the rest being covered by the value of your car. Similar to comprehensive coverage, collision coverage comes into play when your car is damaged via a storm or vandalism. This type of auto insurance coverage also comes with a deductible.

Acquiring the auto insurance is imperative for your safety, your car and others around you. The Heritage Wise Group is ready to start helping you secure an auto insurance policy that suits all of your needs. Contact us today at (989) 781-3010!