Best Auto Insurance in Bloomfield Hills

Choosing the right auto insurance carrier for you and your family can be challenging. With the vast amount of options and the legal requirements set by the state, it is important to have dependable auto insurance, and selecting the right insurance agency in Bloomfield Hills, like E & Y Insurance, can make the process easier.

Basics of Auto Insurance in Bloomfield Hills

Michigan’s auto insurance laws mandate that all vehicle owners carry No-Fault insurance, which provides coverage for personal injuries, property damage, and liability for bodily injury. This coverage helps pay for medical bills, lost wages, and legal liability if a driver injures another person or causes property damage.

Legal Requirements

According to Michigan car insurance laws and requirements, as the owner and operator of a car or truck, you must buy mandatory No-Fault insurance under two circumstances:

1. When your “motor vehicle” is “required to be registered” in Michigan. (MCL 500.3101(1))
2. When you plan on driving or moving your “motor vehicle … upon a highway.” (MCL 500.3101(1))

These requirements apply even if you are not the conventional owner, such as leasing or borrowing the vehicle for an extended period (possibly exceeding 30 days).

Why It’s Important

No-fault car accident insurance is required by law in Michigan. In the event of an auto accident, no-fault insurance covers your medical expenses, wage loss benefits, replacement services, and damage to other people’s property, regardless of who caused the accident. However, your basic no-fault insurance does not cover repairs to your vehicle, for which you must have additional collision or comprehensive insurance coverage.

The no-fault law also provides liability coverage to protect insured persons from being sued as a result of an auto accident, except in certain special situations, such as causing an accident in Michigan resulting in death, serious injury, or permanent disfigurement, or being involved in an accident with a non-resident whose vehicle is not registered in Michigan.

Types of Coverage Available.

1. Liability Insurance: Liability insurance is a mandatory coverage required by Michigan law. It protects against financial liability if you cause injury or damage to another person or their property in an accident. This coverage helps pay for the medical expenses and property damage costs of the other party involved.
2. PIP (Personal Injury Protection): Michigan is a no-fault state, which means drivers must carry Personal Injury Protection (PIP) coverage. PIP covers medical expenses, lost wages, and replacement services for the policyholder and their family members, regardless of who caused the accident. Recent changes in Michigan’s no-fault laws allow drivers to choose different levels of PIP coverage, including:
   1. Unlimited PIP coverage
   2. PIP coverage up to $500,000
   3. PIP coverage up to $250,000
   4. PIP coverage with lower limits if you have qualified health coverage or Medicaid
3. Collision and Comprehensive: Collision coverage helps pay for repairs or replacement of your vehicle if it is damaged in an accident, regardless of who is at fault. Comprehensive coverage, on the other hand, protects your vehicle from non-collision incidents, such as theft, vandalism, or natural disasters.
   1. Standard Collision: Covers collision-related damages, and the deductible must be paid regardless of fault.
   2. Broad Form Collision: Similar to standard collision, the deductible is waived if the insured driver is not substantially at fault.
   3. Limited Collision: Provides coverage without a deductible if the insured driver is not substantially at fault. If the driver is more than 50% at fault, limited collision provides no benefits, and the owner must pay for repairs out-of-pocket.

Why choose E & Y Insurance

1. Personalized Approach: E & Y Insurance understands that every driver’s circumstances are unique. Their knowledgeable agents take the time to listen to your specific requirements and driving habits, ensuring they recommend the most suitable coverage options. 
2. Comprehensive Coverage Options: With E & Y Insurance, you can access a wide range of coverage options. 
3. Competitive Pricing: E & Y partners with top-rated insurance carriers, which allows them to offer their clients affordable premiums while ensuring they receive the protection they need on the road.
4. Local Expertise: Offering a location in Bloomfield Hills, E & Y Insurance has a thorough understanding of the area’s driving conditions and insurance requirements. 
5. Exceptional Customer Service: From filing claims to reviewing your policy, E & Y Insurance is committed to ensuring a seamless and hassle-free experience.

Conclusion

With E & Y Insurance, drivers in Bloomfield Hills can navigate the roads with confidence, knowing they are backed with reliable coverage, competitive pricing, and exceptional customer service. By choosing E & Y, the auto insurance selection process is not only streamlined but also results in a policy that precisely matches your needs. Call us at  248.362.1313. to speak with one of our agents and get started.