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Auto Insurance in Lowell, Ada, and Cascade

Michigan auto insurance has more choices than most people realize. I'll sit down with you, go over your PIP choice and liability limits in plain language, and make sure they fit your household.

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What a good auto policy covers

Every Michigan auto policy has three required parts. Personal injury protection (PIP) helps with medical bills and lost wages after a crash. Property protection insurance pays for damage your car does to other people's property in Michigan, like a building or a parked car.

Residual liability protects you if you're sued after an accident. On top of those, collision and comprehensive pay to repair or replace your own vehicle.

Your Michigan PIP choice, in plain terms

Michigan drivers now choose how much PIP medical coverage to carry. The options are unlimited, $500,000, $250,000, or lower levels that are only open to people with qualifying health coverage, such as Medicaid or Medicare.

A lower level shifts more of the risk onto your health insurance and your savings. The right choice depends on your health plan, who lives in your home, and who drives your cars. That's a conversation, not a checkbox.

Liability limits, explained

Liability coverage pays when you're at fault and someone else is hurt. In Michigan, the default bodily injury limits are $250,000 per person and $500,000 per accident unless you sign a form choosing lower limits.

Lower limits can leave your savings, your home, and your future income exposed if a serious accident ends up in court. If you've built up equity or savings, an umbrella policy can sit on top of your auto and home liability.

Where the gaps usually hide

  • A PIP level picked without checking how your health plan handles car accident injuries.
  • Liability limits set years ago that no longer match what you own.
  • Teen drivers added without a second look at the whole policy.
  • Older vehicles carrying coverage that may no longer make sense for their value.

What I check in a free coverage review

I go through your declarations page with you: your PIP level, liability limits, uninsured and underinsured motorist coverage, deductibles, and who is listed as a driver. Then I compare it with your home policy so the two work together.

It takes about 30 minutes, and you leave knowing what each line means.

Who this fits

Families with teen drivers, households that want home and auto reviewed together, and anyone who picked a PIP level when the choices started in 2020 and hasn't looked since.

  • Auto insurance

    Car, truck, and family vehicle coverage through Farm Bureau Insurance. We'll review your Michigan PIP choice and liability limits together, in plain language, so you know what you're paying for. Home and auto can be reviewed at the same time.

  • Motorcycle insurance

    Coverage for motorcycles and riders through Farm Bureau Insurance. We'll go over liability, physical damage, and Michigan PIP options for riders before riding season. Ask how your bike can be reviewed alongside your auto and home.

  • Boat and watercraft insurance

    Coverage for fishing boats, pontoons, and personal watercraft on Michigan lakes and rivers. We'll review physical damage, liability, and trailer coverage before the season starts. Easy to review alongside your lake home or cottage policy.

  • Recreational vehicle insurance

    Coverage for ATVs, side by sides, snowmobiles, campers, and trailers. Heading to deer camp or the trails this fall? Let's make sure your hunting rig and trailer are covered the way you expect before opening day.

  • Umbrella insurance

    An extra layer of liability protection above your home and auto policies. Worth a look if you have a pool, a dock, rental property, teen drivers, or growing savings. I'll explain how it works and whether it fits your situation.

Questions I hear about auto insurance

What PIP level should I choose in Michigan?
There isn't one right answer for everyone. It depends on your health insurance, whether it covers injuries from a car accident, and who lives in your household. I'll go over the options with you so you can decide with the full picture.
What are the default liability limits in Michigan?
Unless you sign a form choosing lower limits, Michigan auto policies carry bodily injury liability of $250,000 per person and $500,000 per accident. I'll look at whether those limits fit what you have to protect.
Is collision coverage required in Michigan?
State law doesn't require collision coverage, but if your vehicle is financed or leased, your lender almost always does. For an older car, we can talk about whether it still makes sense.
Can my home and auto be reviewed together?
Yes. Reviewing them at the same time shows whether your liability limits line up and whether an umbrella policy is worth adding.

Know what your auto policy covers

A free coverage review at your home, my office on Main Street, or online.

Get a free coverage reviewText me your dec page