When examining the various Traffic Crash Statistics made available by the Michigan State Police, residents are likely to find accidents generally occur in a variety of situations with different extents of damage. There may be times when the required limits of Personal Injury Protection (PIP), Personal Protection Insurance (PPI) or Residual Bodily Injury and Property Damage Liability (BI/PD) may not provide enough coverage, particularly if the policyholder is at-fault for an accident. For this reason, residents may want to research quotes for policies that include increased limits or additional coverage in an effort to find a protection plan that is able to offer the greatest amount of coverage for the lowest cost.

Despite the extensive amount of automobile insurance that is already required in order to register a vehicle, damage to an individual’s own automobile, including theft, is typically not covered. With over 282,070 reported crashes in 2010 and over 8,101,713 registered vehicles traversing Michigan’s open roads, drivers may want to consider policy additions like comprehensive and collision coverage. This typically covers damages to the insured’s own automobile, up to the limits of the policy, which occur as a result of a collision with another car. Additionally, this form of vehicle protection also covers a variety of damages that occur independently from a crash with another car. This typically includes damage from fire, flooding, falling objects, vandalism, or theft. Making various comparisons can help MI residents locate protection plans that are not only affordable, but are also able to help them prepare for a broader range of possible vehicle related accidents.