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If you’re like most drivers in Berville, MI, you want to ensure your car or truck has adequate coverage. If you’re financing a vehicle, the bank often requires full coverage insurance. However, are there ever situations when full coverage insurance isn’t recommended? In some situations, full coverage insurance may not be the most affordable or even necessary. Here is an overview of situations when full coverage insurance may not be recommended.

• Your car is older: If your vehicle is older than 10 years, the cost of paying for full coverage insurance might not be worth the low value of your older vehicle.
• You don’t drive often: If you drive very infrequently, yet your car is paid off, the cost of full coverage insurance might not be recommended.
• You have adequate resources: If you could easily replace or repair your car should it become damaged or destroyed in an accident, paying high premiums might be unnecessary.
• You live in a low-risk area: If you live in an area where the risk of theft, vandalism, or natural disasters is low, you could possibly forego full coverage.

Full coverage insurance has many benefits, even if your car is older or has been paid off, and if you want that extra peace of mind, then by all means, choose full coverage no matter what. However, you can settle for liability if it’s not mandatory for you. If you need a new auto insurance provider and are a Berville, MI resident, you should consider Mitten Heritage Fraternal Society of Insurance. At Mitten Heritage Fraternal Society of Insurance, we value our customers, which is why we provide top-notch coverage as well as customer service. Contact us for a quote today.

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.

Optimizing Auto Insurance with Mitten Heritage Fraternal Society of Insurance

Purchasing auto insurance from Mitten Heritage Fraternal Society of Insurance offers you the unique opportunity to personalize your policy. In Romeo and Berville, MI, as part of the state’s mandatory requirements, auto insurance is vital for the privilege of driving. While the state’s minimum standard is 50/100/10 for this type of insurance, it’s customizable to your personal needs.

Expanding Coverage Beyond the State Requirements

Auto insurance encompasses more than just liability coverage. Some drivers, influenced by the mandatory nature of this coverage, may perceive it as the sole provision of auto insurance. However, this is a misconception. An automotive policy can include various coverage types, offering expansive protection for your automobile and well-being.

The state law update in 2020 increased liability requirements and introduced personal injury protection (PIP) coverage as a requisite. PIP safeguards the driver, providing medical coverage even in the event of a single-car accident. PIP coverage can be enhanced, working effectively as a solid supplement to your existing health insurance.

Additional coverage options include comprehensive, collision, and roadside assistance. Collision covers any vehicle damage resulting from an accident, be it a single-car or multiple-vehicle situation. At the same time, comprehensive coverage ensures financial protection if your vehicle suffers damage from a peril named in the policy, such as vandalism or theft. Including roadside assistance guarantees peace of mind, knowing that your policy covers services such as towing, tire service, fuel replenishment, lockout service, and much more. Other coverage options include loss-of-use coverage and rental coverage.

Upgrade Your Existing Coverage

Let us assist you in strengthening your existing auto insurance coverage. By contacting Mitten Heritage Fraternal Society of Insurance, you can comfortably review your auto insurance options and customize your coverage for enhanced protection on Romero and Berville, MI roads.