Michigan Auto Insurance

Michigan Auto Insurance questions and answers

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Q: Question about Michigan auto insurance?
In Michigan, if you are involved in an accident that was less than 50% your fault and the police were notified, does your insurance company automatically get notified? The truck is totalled, there was no coverage for collision (15-year-old truck), and Michigan is a no-fault state. Not sure what the other driver is planning to do. The person I'm asking for is not planning to notify his insurance company, but it seems like they will find out eventually and it will look bad. Anyone with Michigan auto insurance expertise that could settle this?

A: They will find out eventually. There are a number of ways the insurance company will find out, when either vehicle is sold, it will come up in the vehicle report run on the vin#. There is also a report called CLUE (Comprehensive Loss Underwriting Exchange) which is where all companies report claims, so it'll more than likely be there. If there is any payout for damage or injury, it'll surface, sooner or later.

Q: Michigan Auto Insurance question?
My son is 19. Can my insurance company make me, put him on my policy as a rider ( State Farm )? He had his own vehicle which is insured, but is now broken down to the point where he doesn't drive it any more. So if he cancels his policy, would I have to put him on mine? I have heard 2 different things about this: 1) The vehicle is insured, and can be used by any driver.....and 2) The driver is insured, and can use any vehicle. Thank you all Thank you all.75% of you had great informative info....

A: Technically, a "rider" is what's on a life insurance policy. Both your statements are inaccurate - lots of people spout them, but neither are true in all cases. Any household member, or someone who has regular access to your car (even if they aren't a household member), should be listed on your policy. So yes, State Farm can request that you either add him as a listed operator, OR completely exclude him from coverage (meaning, if he cracks up your car, YOU pay the claim - for your car, for the other car, and for the other people's injuries). Failure to list a household member can result in a denied claim. 1. on most policies, the vehicle is insured, and can be used by any driver occasionally, if they aren't household members, and don't have regular access to the car (less than 10X a year, less than once a month), if they aren't excluded from coverage. There ARE policies that say, we won't cover an unlisted driver, PERIOD. 2. The "named insured" on the policy (not listed driver, but policy owner), on MOST policies, will have their liability from their own policy carry over onto any car they drive, as long as the car they drive is NOT owned by them or a household member, and as long as it's not a business use (like bus driver, mechanic, auto sales, pizza delivery, etc). NOT ALL POLICIES HAVE THAT WORDING.

Q: Michigan auto insurance taxes MCCA, MAIPF, MATPA?


A: Your answer can be found at CarInsurance.com. Here is a portion of the feed from their RSS feed: MCCA = Michigan Catastrophic Claims Association The MCCA is a mandatory state assessment that is determined by a group of private insurance leaders.If you are catastrophically injured in a car crash, the MCCA will pay every medical expense your regular insurance does not cover...

Q: what is the cheapest auto insurance for michigan?
for the most basic insurance

A: It always pays to compare auto insurance rates before you buy, and there is no definitive answer as to who provides the cheapest coverage. The only way to find out who provides the cheapest auto insurance rate for your particular situation (i.e. credit history, driving record etc.) is to get quotes from multiple companies with identical coverages, and compare for yourself.

Q: How much will my auto insurance go up with 3 points on my record in Michigan?
Early September I received a ticket for running a red light in Michigan. Long story short I ended up paying the fine and taking the 3 point penalty that comes with it. I've never had points on my record before, and my last ticket was in 2001 with no points. How much can I expect my insurance to go up?

A: It will definitely go up. But I can't tell how much increase you could get. The best thing to do is to browse companies online that offers a free car insurance quote rate. You just fill-up the form and then compare it among the others. Check out the insurance listings in Michigan here: http://www.autoinsuranceselect.com/state/michigan-auto-insurance.html Good luck and drive safe...

Q: Does anyone know if AAA of Michigan have a grace period for auto insurance payments?
If so how long after the due date is the grace period and how do you know for sure can you give me a site or a link to a site where I can see that in writing. Thanks in advance!

A: Try here : http://www.insuranceagents.com/agentdisplay.aspx?Act=14357&ovchn=INK&ovcpn=Search+Submit&ovcrn=Search+Submit&ovtac=PIB

Q: Is there a law in Michigan requiring parents to add 18 year olds to their auto insurance policy?


A: If you are considering not notifying your insurance company about your kids who have driver licenses and live in your household, don't go there. What you are doing is committing a material misrepresentation about the policy. This can allow your company to void coverage for losses under certain cases. It isn't worth the risk.

Q: Will my auto insurance go up if I get a ticket at California even if I'm a Michigan resident?
I heard some states don't share traffic information. I am curious if CA and MI share traffic info?

A: No doubt the easiest way to get insurance quotes is on the web. Why would you waste your time on the phone calling around? the last time i needed quotes on insurance i used one of these comparison sites and it was great. this is the site i used and it was quick like less than 5 mins. The last thing I want to do is listen to elevator music while waiting for a salesman. Anyway I got good quotes and ended up saving money so I was happy. So shop around and compare quotes which is easy on the net. Good starting point is at this site. http://insurance.deal4-you.com Good luck.

Q: auto insurance question in Michigan?
i am making monthly payments on a brand new 2008 colbot that i got in dec 2007. I have shopped around for cheaper full coverage auto insurance, that what i already have. I can't seem to find no car insurance cheaper than what i have. My car insurance is more than my car payment. I have talked to a few insurance companies and we went over different things that could make it cheaper. But, they can't beat the price that i already have. My credit isn't the best, but shouldn't a car payment be more than insurance? Anyone have any ideas where and how i could get a cheaper car insurance policy?

A: It depends on a lot of factors--your age, your city, where the car is kept, your driving record. You could just get a basic liability policy with no collision coverage; however, I don't think your loan would allow that. Car loan--they want your business so offer you a low monthly rate. Car insurance--you have to have it, so they can charge whatever they want.

Q: Is there tool insurance in Michigan? My son is starting work in an auto shop, with his own tools.?
He is not a certified mechanic yet. We are initially investing $600 into his tools. I would want to insure them against theft or loss. They are already under Craftsman warranty for any damage.

A: yes you can put your own ins. on ask your regular agent about it there are several diff. options

Q: Auto Insurance denied because of bad driving record?
Hi My auto insurance was denied by AAA because of bad driving record. I am in Michigan. Where can I get another insurance from. And how do I improve my driving record, is there some kind of test or program I can appear to rectify my record. RJ

A: Some companies specialize in providing insurance to high-risk drivers. You'll have to pay a lot initially.

Q: I live in Michigan and have full coverage auto insurance. Will my insurance pay for objects in the car?
I have State Farm. My car was stolen and never found. Now we're 'negotiating' on a settlement. Also, 2 days before my car was stolen, I put $650 into repairs. (Breaks, tires, ti-rods, roters, ect) Can I get any of that money back? (The police asked me and documented it) Is there any other tips anyone has for getting more money back so I can buy a new car? (I had an 02' Sebring Coupe with aprox 55,000 miles on it) have State Farm. My car was stolen and never found. Now we're 'negotiating' on a settlement. Also, 2 days before my car was stolen, I put $650 into repairs. (Breaks, tires, ti-rods, roters, ect) Can I get any of that money back? (The police asked me and documented it) Is there any other tips anyone has for getting more money back so I can buy a new car? (I had an 02' Sebring Coupe with aprox 55,000 miles on it) To peoples below: -I didn't leave it unlocked. They broke out a window and took it. -You said that 'home-owners' covers things. Is this true if 1.) I don't have homeowners insurance and 2.) The theft happened at work. (I heard that you could claim belongings under these conditions) Also, I would definitively say that new tires DO add value to your car.

A: Repairs that you made to keep the car running in reasonable condition don't INCREASE the value of the car - maintenance is expected and normal. Stuff IN the car, like your personal posessions, cd's, drycleaning, wallet, etc, are covered by RENTERS insurance or HOMEOWNERS insurance, not car insurance.

Q: Full-coverage auto insurance in MI?
Does anyone know what qualifies as 'full-coverage' auto insurance in Michigan? There are, what seems like, a hundred different things to pick and choose from when selecting what kind of coverage you want. I ask this because if I were to take a loan out for a car, and I'm required to have full-coverage by law, I would like to know what it is exactly I need and not what some insurance company says I need. Thanks!

A: There are tons of places where you can get a free insurance quote. http://www.multipleautoinsurancequotes.com It only takes about 5 minutes to do.

Q: What auto insurance coverage is better, basic or broad?
I live in Michigan. If I have broad coverage and I'm not at fault in an accident I don't have to pay a deductible, but the premium is a little more expensive. If I have basic coverage and I get into an accident I have to pay the deductible no matter who is at fault. My question is, if I have the basic coverage and I'm in an accident that's not my fault, wouldnt the insurance company for the person at fault usually pay my deductible anyway?

A: Hmm. Michigan is one of those weird no-fault states. You'll have to ask your agent that, but I suspect NOT. Another thought - what if the guy who IS at fault, has no insurance? How are you going to get them to pay??

Q: How long do you have to file an auto insurance claim?
About 1 yr ago I was laid off and the next day I came out to find my car was backed into in a parking lot.I was depressed about losing my job and did not have extra money for a deductible so I did not file a claim.I am now hearing that this would of been fixed and the deductible waived because I was hit in a parking lot.Does anyone know anything about this type of thing? I live in Michigan !!!

A: As a claims adjuster let me start off by telling you not to try to commit fraud like some have already suggested by changing your story to say the accident occurred last week or today to try and get coverage for it as more than likely you will have coverage for the loss if you had a valid policy a year ago when the loss actually occurred. Second do you know what type of collision coverage you had on your policy at the time of the loss (Broad-Form, Standard, or Limited) as that will make a difference on whether you will have to pay your deductible? In the case of your loss the only way you would not be responsible for your deductible would be if you had Broad-Form Collision Coverage. If you Standard or Limited then you will have to pay your deductible. Hope this helps you out. Also most states only have statute of limitations for third party claims which in the case of your situation does not appear that there is going to be a third party attempting to make any claims against you or your policy for this loss. You should be ok to go ahead and file a claim with the insurance company that you had at the time of the loss a year ago. They may ask you to take a recorded statement and investigate further into why you took so long to file the claim but just tell the truth to your insurance company and everything should end up fine for you. Also try to pinpoint the exact date when the loss occurred before making the claim.