Michigan drivers purchase no-fault insurance not only because state law requires it, but also to protect themselves and their loved ones in the event of a crash. When buying insurance, drivers usually think their policy will not only cover them in an accident but will also their family members covered by auto insurance who are injured while riding with them. Unfortunately, that’s not always the case — enter the step-down auto insurance clause. Here’s the deal. Some auto insurance companies are inserting a “step-down” clause (also known as an “intra-family exclusionary” clause) in their policies. A step-down auto insurance clause basically … Continue reading Step-Down Auto Insurance Clause: Every Michigan Family’s Nightmare