Protecting Yourself with the Right Auto Coverage Before Winter Hits
The Importance of Understanding Your Coverage
As winter approaches, our Lansing car accident lawyers want you to review your auto insurance coverage – before icy roads, deer crossings, and holiday travel season increase your risk of an accident.
Many Michigan drivers still misunderstand how the state’s no-fault system works or assume they have more protection than they actually do.
What Michigan Drivers Need to Know
Under Michigan’s no-fault law, your own insurance covers:
- Medical expenses (based on your chosen PIP coverage level)
- Lost wages if you can’t work
- Replacement services for household help
However, if another driver’s negligence causes a serious injury, you may also have the right to pursue additional damages through a third-party claim.
Key Coverages You Should Consider
- Uninsured/Underinsured Motorist Coverage (UM/UIM): Protects you if the other driver has no insurance or insufficient coverage. Sadly, Michigan has one of the highest rates of uninsured drivers in the nation.
- Collision and Comprehensive Coverage: Covers vehicle damage, regardless of fault, and protects against deer strikes, theft, or storm damage.
- Liability Coverage: Ensures you’re protected financially if you’re found at fault for an accident that injures someone else.
Why This Matters in Mid-Michigan
Winter roads around Lansing, Dewitt, and Okemos can turn dangerous overnight. A single patch of black ice or a deer crossing M-43 can cause serious crashes.
Having the right insurance means peace of mind – and fewer financial surprises when the unexpected happens.
If You’re Injured Despite Your Precautions
Even the best preparation can’t prevent every accident. If you’re injured, Michigan’s no-fault law ensures access to critical benefits. Still, insurance companies may delay or deny legitimate claims.
Our Lansing car accident lawyers have helped countless crash victims secure the compensation they deserve under Michigan’s evolving auto insurance system.
Review, Update, and Drive with Confidence
Before winter weather arrives, take a few minutes to review your policy. Understanding your coverage today can save you stress – and financial hardship – tomorrow.