Michigan Auto Insurance Coverage Guide

If you drive for rideshare companies like Uber or Lyft in Michigan, rideshare coverage can help fill potential gaps between your personal auto policy and the insurance provided by the rideshare company. This optional coverage can help fill potential gaps between a personal auto policy and the insurance provided by a rideshare company when using a vehicle for ridesharing.

Rental car reimbursement coverage helps pay for a temporary rental vehicle while your car is being repaired after a covered claim. For Michigan drivers who rely on their vehicles for commuting or daily transportation, this coverage can help minimize disruption after an accident.

Original Parts Replacement (OEM) coverage helps pay for original manufacturer parts instead of aftermarket parts when your vehicle is repaired after a covered loss. Using OEM parts may help maintain your vehicle's original fit, safety features, and resale value.

New Car Replacement coverage may replace a totaled vehicle with a new vehicle of the same or similar model instead of paying only its depreciated value. This optional coverage is generally available for newer vehicles and varies by insurer.

Michigan's changing weather conditions can increase the likelihood of flat tires, dead batteries, or other roadside emergencies. Roadside assistance coverage can provide services such as towing, battery jump-starts, lockout assistance, fuel delivery, and flat tire changes.

Many insurers in Michigan offer telematics or usage-based insurance programs that use driving data, such as mileage, braking, and acceleration, to help determine eligibility for discounts. Drivers who practice safe driving habits may benefit from these programs, although savings and availability vary by insurer.

Pet injury coverage helps pay eligible veterinary expenses if your pet is injured in a covered auto accident while riding in your vehicle. While not included with every policy, some Michigan insurers offer this optional protection.

Windshield damage from road debris is common on Michigan highways, particularly during winter and construction season. Full auto glass coverage may help pay to repair or replace damaged vehicle glass, depending on your policy and insurer.

Michigan owners of classic, antique, and collector vehicles may benefit from specialized classic car insurance. These policies often use an agreed value instead of actual cash value and may include coverage designed for vehicles that are driven less frequently or shown at exhibitions.