Welcome to Detroit Auto Insurance.com

Here at Detroit Auto Insurance.com you will find valuable auto and car insurance and vehicle information, articles, insurance resources, and many tips to help you select the vehicle, auto, or car insurance you need including links to our local auto insurance providers in your area. While we are experts in Michigan, these rules and info usually also apply to most all states such as, Ohio, Texas, Florida, and California. We are utilizing over 50 combined years experience in the auto and car insurance industry to provide you with the tools and info you need to get a great deal on Detroit area auto or car insurance. For example, did you know;

In Detroit, Michigan and 46 other states, its illegal to take a car onto the road without car and auto insurance. Thats right. Compulsory insurance or "No Fault" insurance laws protect the public from the expenses of injuries and property damage resulting from a car accident. Most all states require auto insurance in set minimum amounts of coverage that guarantee that medical costs and property damage caused by the insured in case an accident is judged to be the fault of the insured. Commonly referred to as compulsory insurance, no fault, or liability insurance.

If you carry compulsory insurance and are judged to be at fault in an auto accident, your car insurance company will pay the medical bills and lost work time and other damages for the other driver and passengers in both his car and yours that are not immediate blood relatives. The minimum compulsory insurance varies from state to state, but your insurance agent will be able to tell you what minimum amount you must carry in order to drive you car on the public roads.

Besides personal injury insurance, you are also required in most states to carry property damage policies to repair or replace any damage caused by your car. Again, this amount varies from one state to another.

There are good reasons for carrying more than the minimum amount of compulsory insurance. If the damages exceed your coverage, for instance, you'll be liable for anything that your insurance company doesn't pay. More importantly, there are many gaps in compulsory insurance such as:

1. You are not covered for theft or a fire that's not related to an auto accident.

2. You won't recover the entire amount of the cost to repair damage to your car caused by an uninsured vehicle.

3. If you were judged to be at fault in the auto accident, there is NO coverage for your injuries or damages.

4. Even if you're not at fault, there's no coverage for other expenses related to your auto accident like towing.

Most insurance agents recommend that you carry a greater amount of insurance and coverage other than what's strictly required by your state. Often referred to as 'comprehensive' coverage, it will most likely include:

Personal Injury Protection, which will pay medical expenses and reasonable work and living expenses for lost job time due to an accident, no matter who was at fault.

Travel, towing and glass replacement that results from causes other than an auto accident.

If you take out a loan to purchase your car, the bank normally requires that you purchase and maintain comprehensive or full coverage insurance on your vehicle until your loan is paid in full.