Basic auto insurance is determined by what state you live in. It is mandated coverage that every driver must have. At Luft Insurance Agency in Escanaba, MI, we are here to ensure you understand the complicated new laws governing no fault in Michigan. We are independent insurance agents and can offer you more choices and better rates.

Liability coverage

Liability coverage is insurance that protects other drivers from the results of an accident that you cause. It provides medical care if other drivers or passengers are injured and money to repair their vehicle.

Collision

Collision coverage protects your vehicle from an accident that you cause. It also gives you coverage for hit-and-run damage to your car. It will help to pay to repair or replace your vehicle once the deductible is paid.

Underinsured and uninsured drivers

You should carry underinsured or uninsured coverage to protect your car from irresponsible drivers.

Comprehensive

Comprehensive coverage covers many of the other things that can damage your vehicle. It covers weather events like high winds, hail, or floods. It covers theft, vandalism, and a collision with a large animal like a deer.

Gap coverage

If you have a new vehicle, gap coverage is a must if you have a car loan. You don’t want to end up owing money on your vehicle after the insurance company pays you the value of your car.

Rental car

It would be best if you had something to drive when your vehicle is damaged and getting repaired. If you have this coverage, it allows you to get a rental car so that you won’t be stranded.