Residents of Flint and Detroit, MI are required to carry auto insurance by law, and this includes liability coverage that also protects against personal injury in an accident. Property damage coverage is also a requirement as is personal injury protection because Michigan is a no-fault state. Property protection insurance is also required, and Flint and Detroit, MI residents must pay an annual MCCA (Michigan’s catastrophic claims association) fee that provides medical coverage to insured drivers. When purchasing and maintaining a policy, it is vital to take steps to avoid fraud, and we will discuss this within the scope of this article.
Ways to Avoid Auto Insurance Fraud
It is vital that drivers fill out their insurance application correctly when getting a quote, and it is necessary that a driver obtain his or her coverage before an accident should occur. In the event of an accident, it is crucial only to file one claim for a single injury, and a driver must be sure to only file claims regarding injuries related to the accident in question. If asked to represent lost wages, these must be reported accurately, and it is crucial that only the lost income caused by the injury be accounted for.
It can be constituted as insurance fraud if you claim higher repair costs than what was paid to the mechanic, and it is illegal to stage an accident. Only file claims including people involved in the accident, and never submit a claim for medical treatment that was not received. Always obtain insurance in the state in which you live, and never file a false report for a stolen vehicle.
Premier Insurance Agency Can Help
Premier Insurance Agency has served the people of Flint and Detroit, MI and can help you with your auto insurance needs. Feel free to stop by the office or call to discuss all your automobile insurance requirements with our friendly and knowledgeable representatives.