Mitten Heritage Fraternal Society of Insurance has helped numerous Berville, MI residents obtain the necessary auto coverage to drive legally according to state laws. We appreciate that auto insurance topics can sometimes be baffling. Our aim here is to clarify how auto insurance works, specifically addressing how a full-coverage policy applies to every vehicle you drive.
Driver-Specific Coverage
The liability coverage you purchase is specific to you as the driver. This coverage extends to any vehicle you operate, explaining why your auto insurance policy’s liability coverage applies when renting a vehicle. Your bodily injury liability and personal property liability insurance are portable—they cover you regardless of whether you’re driving your own vehicle, your spouse’s vehicle, or renting a car. Other elements like uninsured motorist coverage and medical coverage attached to your policy also apply to any vehicle you drive.
Vehicle-Specific Coverage
Particulars like collision and comprehensive coverage correspond to an individual vehicle. This also applies to emergency roadside assistance and rental reimbursement. An auto insurance policy does not blanket cover all vehicles owned by a person. Each vehicle must be expressly listed on the policy when purchasing it. Although you can add a vehicle to your policy at any point, the coverage for that vehicle only begins from the date it gets added or from when you procure a separate policy for it. Each vehicle listed will incorporate its valuation under the policy if you choose to insure your vehicles under an agreed-upon value policy.
Contact Us for an Auto Policy Review
Contact Mitten Heritage Fraternal Society of Insurance today to review your auto policy. Ensure you never drive out of your Berville, MI driveway without adequate coverage.
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