DOES YOUR CAR INSURANCE PROTECT YOU IF YOU INJURE SOMEONE IN AN ACCIDENT?

Michigan law allows a driver to carry as little as $20,000 liability insurance. This means that if you are at fault in a collision, and seriously injure a person, your insurance company will only cover $20,000 in damages, while YOU ARE PERSONALLY RESPONSIBLE FOR THE REST! It is surprising how many people do not know that they may be underinsured. Yet it costs relatively little to increase your coverage to $100,000 or more. Your local insurance agent can counsel you with a quick phone call.

What if the other driver is at fault, but has little or no insurance to cover your injuries? Did you know you can purchase uninsured motorist coverage on your own policy? This covers you if an uninsured driver injures you. Yet few people know about this insurance, which is very inexpensive. Again, your local insurance agent can direct you if you inquire.

The lesson is to educate yourself about what is in your insurance policy.