Michigan law requires certain basic coverages for any vehicle that is either registered or operated within the state. The required coverages are called Personal Injury Protection, Property Protection Insurance and Residual Liability.
Optional coverages for the Personal Auto Policy include Uninsured Motorists, Underinsured Motorists, Limited Property Damage, Collision, Comprehensive, Towing and Loss of Use.
All auto policies in Michigan are not created equal. For instance, some insurance companies in Michigan do not even offer Underinsured Motorists Coverage.
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