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Optional Car Insurance Coverage In Michigan


There are already a lot of things that could go wrong. For things that we could not control, we have insurance that would help us.

In some cases, the insurance coverage is mandatory while it is optional in others. Depending on what is available for you, should you get both the optional and the mandatory insurance coverage in Michigan?

In the article Everything You Need To Know About The Accidental Death & Dismemberment Insurance in Michigan, we have discussed wrongful death and dismemberment insurance in Michigan. Since the release of that article, we have received a lot of calls and queries about the other kinds of insurance that are available in the state of Michigan. 

To reiterate, in the United States, accidents are the third leading cause of death. For people between the age of 25 to 44, it is often the cause of death. Of course, this is why it makes sense to have a comprehensive insurance policy that could cover your needs, or your family’s needs when an accident happens.

Here at Haque Legal, it is the goal of our Southfield personal injury lawyers to make sure that you have the protection you need in times of trouble. We want to answer all of your questions and therefore we have created this article series that would discuss everything you need to know about car insurance coverage in the state of Michigan. 

In the previous articles, we have discussed the mandatory insurance coverages that you should be able to have if you own a vehicle in Michigan. With that, this article now looks at the optional car insurance coverage in Michigan. Let us begin.

6 Types of Optional Car Insurance Coverage In Michigan

Now that we have discussed the different minimum requirements when it comes to car insurance coverage in the state of Michigan it is no time to look at the optional coverage that you may decide to purchase yourself to have full protection against various circumstances that may happen and that you may have no control over.

Let us look at the types of optional car insurance coverage in Michigan:

Collision Coverage

The first type of optional car insurance coverage in Michigan is collision coverage. Generally, this is the kind of insurance coverage you need to get to help you pay for your repair cost that is related to your auto accident in Michigan. Since it is an optional coverage some of the drivers in Michigan do not get it because it is another added expense payment to their already high premium payments for their insurance.

However, we recommend that our clients get this kind of insurance for the reason that it will help pay for the repair cost of the vehicle.

If I already have Property Damage insurance, why should I get collision insurance?

As we have discussed in the previous article, property damage insurance is your insurance that pays for any damage that happens outside of the state of Michigan. And while the state of Michigan has a no-fault policy in terms of providing insurance it is not one that does not come with limitations. 

If you only get the mandatory insurance coverage in the state of Michigan and fail to get insurance coverage for collisions, you may regret it in the long run.

Imagine this scenario: you get into a car accident, it happens in the State of Michigan, as such you will not be able to sue the driver at fault for the full amount of the repair costs if you are the victim of the crash because of the application of the no-fault law. What do you do? There is nothing you can do at that point.

Three Kinds of Collision Coverage for Auto Accidents in Michigan

There are three kinds of collision coverage for auto accidents in Michigan; these are standard collision, broad collision, and limited collision, which can come with a deductible or without a deductible. Let us look at these three kinds.

Standard Collision Coverage in Michigan

Under the insurance code of Michigan, any driver in the state may purchase standard collision coverage for their vehicle standard collision coverage is just the basic coverage that the driver or vehicle owner can get to cover for any kind of collision that may happen. 

Things You Should Know About The Standard Collision Coverage in Michigan

The standard collision coverage in Michigan comes with the following features:

  • The car insurance provider pays if the driver-policyholder is only 50% or less at fault for causing the accident. 
  • If the driver-policyholder is more than 50% at fault, the car insurance company will still pay the claim but the policyholder will be responsible for paying the deductible.

Hence, if you notice the standard collision coverage in Michigan will pay you no matter the amount of fault that you have in the accident but you must also keep in mind that you may be able to get 100% coverage if you are 50% or less at fault for causing the accident.

The next two kinds of collision coverage in Michigan will be discussed in the succeeding article of the series.

Get Yourself a Good Lawyer

Here at Haque Legal, we always tell potential clients that the best thing that they can do in case of an insurance dispute is to get themselves a good lawyer at the beginning of the proceedings. Even when you are just filling up forms or when you think that you already have a dispute, you can always get yourself a good lawyer to get started with the process.

The first great thing that you can do is to make sure that you have a good guide when it comes to dealing with the legalities of your claim. 

Contact Your Insurance Company

If you have been involved in a car collision in Michigan, make sure that you are protected. By contacting your insurance company, you will have what you need in terms of their decision and see if they just need a little nudge in the right direction.

If the answer of the insurance company is not positive on your claim, then you need to make sure that you will get going with your complaint.

Luckily our Southfield car accident lawyers can help you get started with your claim. A lawyer at Haque Legal will see to it that your needs are met from beginning to the end of the proceedings. You are always in good hands with Haque Legal and what it has to offer.


The article that you have read is based on general applications of the law. It is not legal advice and it is not to be construed as any legal consultation with the firm. No client-attorney relationship is created when you read the articles we have provided.

Let us help you out.

If you are having trouble with filing an insurance claim or have been in an auto accident in Michigan, call us immediately. If you have any problem with the law or are seeking justice and truth, our numbers are standing by to take your call.

The post Optional Car Insurance Coverage In Michigan appeared first on Haque Legal.

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