Michigan auto insurance laws have changed, giving drivers more choices. That can be unclear, but it is good for individual drivers. It is now easier to find a plan that suits your personal needs and lifestyle. If you are in the area of Clarkston, MI, The Ryan Insurance Agency can help you navigate the new rules and answer any questions you have. You can design an insurance policy uniquely tailored to what you want.

What Is PIP Coverage?

PIP Protection covers any medical bills you receive due to an auto accident. The coverage also includes the other related expenses from the injuries, such as rehabilitation costs, lost wages, and anything directly related.

Levels of PIP Coverage

There are six basic levels of PIP Protection:

1. Unlimited coverage — Unlimited coverage costs more but will reduce your out-of-pocket costs if you are involved in a personal injury accident.
2. Up to $500,000 in coverage — This limit is $500,000 per person per covered accident. You or your health insurance will owe anything over that limit.
3. Up to $250,000 in coverage — Again, you are responsible for anything over the limit. 
4. Up to $250,000 in coverage with certain exclusions — This is when certain family members can opt out.
5. Up to $50,000 in coverage — This is only possible with proof of Medicaid.
6. Option out of PIP coverage — Some people with proof of Medicare can opt out of PIP as part of their auto insurance.

It would be best if you didn’t have to pay for more protection than you need. At the same time, you don’t want to come up short when protecting yourself in case of an accident. If you’re going to discuss your Clarkston, MI auto insurance policy, please call The Ryan Insurance Agency today.

Basic auto insurance is liability coverage that protects other people from an accident where you are the responsible party. At The Ryan Insurance Agency in Clarkston, MI, we provide our customers with more choices, and we also make sure they understand all the different types of auto coverage they can add to their basic insurance. 

Auto Insurance: Beyond The Basics

Collision

Collision is the coverage that protects your vehicle in an accident that you are responsible for. It will also cover you in the event of a single-car accident or a hit-and-run. It will pay to have your vehicle repaired or replaced once you pay the deductible. 

Comprehensive

Comprehensive insurance coverage is the other type of protection that protects your vehicle. It protects your vehicle from damage from high winds, floods, ice, hail, large animals like deer, vandalism, and theft. It will also pay to repair or replace your vehicle minus the deductible. 

Gap coverage

Gap coverage is something that you really need to have if you have a car loan and a new car. If you have an accident with a new car, you may owe more to the lender than the insurance will pay you for your vehicle if totaled. This insurance will fill the gap between what you get and what you owe. 

Roadside assistance

Roadside assistance is insurance that will come to your rescue if you are ever stranded on the road. It is similar to the coverage you might get from the auto club but a lot less expensive. 

Complete glass coverage

This insurance protects the glass on your auto. It will replace your windshield or other windows with no deductible. 

Reach Out To Us

Give us a call at The Ryan Insurance Agency in Clarkston, MI when you need more information about auto insurance coverage. We are happy to help!

Standard auto insurance is required in most states, meaning that driving without car insurance is illegal. The purpose of car insurance is to provide drivers with financial protection in the case of a car accident. An auto insurance policy is defined as a contract between a car owner and the insurance company. In exchange for your monthly premium payment, the insurance company will cover your losses as determined by the policy. 

There are different types of auto insurance:

• Liability coverage. It helps cover damages for property damage and injuries. 
• Collision coverage. It covers damage to a car after a road accident involving another car. This coverage pays for repairs and car replacements. 
• Comprehensive coverage. It pays for damage to your car caused by such incidents as theft, certain weather events, accidents with animals, and vandalism. 
• Uninsured motorist insurance. Its purpose is to protect policyholders against uninsured drivers. 
• Underinsured motorist insurance. It protects you in the event of a car accident with a driver who does not carry sufficient insurance. 

How Does Car Insurance Work?

In the event of theft or a road accident, you will need to contact your insurance company in order to start a claim. The company will review your policy and provides coverage for damages to your vehicle, property damage, and medical expenses. The amount you will receive depends on the type of car insurance you have and some other factors, including your deductible. 

The Ryan Insurance Agency in Clarkston, MI – Your Safety Is Our Priority

Are you shopping for car insurance in Clarkston, MI or any other nearby town? Then contact The Ryan Insurance Agency. We specialize in all types of insurance, including auto insurance as well. Our mission is to provide our clients with the best level of protection for a reasonable price. If you want to know more, feel free to visit our website or call us. 

When you are in the Clarkston, MI area, owning a car will be a necessity in a lot of situations. As you are looking for a car, you should also spend time thinking about your insurance needs. Several tips should be followed to help you pick an auto insurance policy that is ideal for your situation.

Consider Requirements

One tip to follow when choosing an auto insurance policy is to consider your personal specific insurance requirements. Anyone that wants to drive a car in this state will be required by law to carry liability insurance. Additionally, if you have taken out an auto loan, you likely will be required to carry a full policy with collision and comprehensive coverage. At a minimum, you should choose a policy that ensures you meet your various requirements.

Protection Needs

You also need to consider your personal protection needs. If you have invested a lot in your car and cannot afford to replace it out of pocket, having a full insurance policy is a necessity even if you do not have a car loan. All people should spend time carefully considering their personal needs and then should choose a policy accordingly. 

When you are looking to purchase a new auto insurance policy in the Clarkston, MI area, it is important that you get the guidance you need to choose a quality policy. One company that can help people all over this area of Michigan choose the right insurance policy is The Ryan Insurance Agency. When you do call The Ryan Insurance Agency, you can learn far more about your different options. This will ensure that you remain properly covered and protected by an auto policy that is right for you. 

When you are in the Clarkston, MI area, owning a car will be a necessity in a lot of situations. As you are looking for a car, you should also spend time thinking about your insurance needs. Several tips should be followed to help you pick an auto insurance policy that is ideal for your situation.

Consider Requirements

One tip to follow when choosing an auto insurance policy is to consider your personal specific insurance requirements. Anyone that wants to drive a car in this state will be required by law to carry liability insurance. Additionally, if you have taken out an auto loan, you likely will be required to carry a full policy with collision and comprehensive coverage. At a minimum, you should choose a policy that ensures you meet your various requirements.

Protection Needs

You also need to consider your personal protection needs. If you have invested a lot in your car and cannot afford to replace it out of pocket, having a full insurance policy is a necessity even if you do not have a car loan. All people should spend time carefully considering their personal needs and then should choose a policy accordingly. 

When you are looking to purchase a new auto insurance policy in the Clarkston, MI area, it is important that you get the guidance you need to choose a quality policy. One company that can help people all over this area of Michigan choose the right insurance policy is The Ryan Insurance Agency. When you do call The Ryan Insurance Agency, you can learn far more about your different options. This will ensure that you remain properly covered and protected by an auto policy that is right for you.