It’s Against the Law to Drive without Car Insurance

Do you live in or near the Detroit, MI area? Are you a licensed driver? The Premier Insurance Agency can provide the car insurance you need.

Vehicle insurance, also called auto insurance, car insurance, or motor insurance, protects road vehicles such as cars, motorcycles, and trucks. It offers financial protection against bodily injury or physical damage that results from traffic accidents and against the liability that could result.

Some types of car insurance offer protection against car theft, damage to the car resulting from events, not traffic accidents, like keying, natural, or weather disasters, or damage sustained by collisions with stationary objects. The specific terms of a car insurance policy will vary with regulations in each area of the country.

State laws set the minimum amount of coverage and the type of coverage needed for auto insurance. But minimums are not always the right amount of coverage for you.

Generally, most states will require drivers to have enough coverage to pay for injuries or damages to others and their property if they are at fault. The coverage most states require are:

  • Bodily injury coverage
  • Property damage coverage
  • Uninsured motorist coverage

Although the following types of coverage may not be required, they provide an extra layer of protection.

  • Collision
  • Comprehensive
  • Emergency roadside assistance
  • Mechanical breakdown insurance
  • Medical coverage
  • Rental reimbursement

Car insurance is a legal requirement in 48 out of 50 states. You could face a hefty fine if caught driving without it or lose your driving privileges. It is not worth the risk.

If you live in the Detroit, MI area, let the professionals at Premier Insurance Agency provide you with a quote or answer any questions you may have. Contact our team today. You will be glad you did.