New Year’s is a time where many Michiganders promise to do things better in the coming year. While you are fine tuning your New Year’s Resolutions of weight loss goals and exercise plans, consider adding something for your car insurance.
Resolve to Get Your Car Insured
It is illegal to drive a car without basic no-fault car insurance in Michigan. But even so, 19% of all drivers were uninsured in 2013. In the city of Detroit, that number could be as high as 60%. If you are one of the thousands of people driving without insurance, make it your New Year’s Resolution to get covered. In a serious accident that insurance will be the difference between getting the treatment you need and going into bankruptcy over medical costs.
Resolve to Buy Uninsured Motorist Insurance: It’s a Bargain
Even if you already have insurance, you could be running the risk of expensive medical bills unless you have purchased an uninsured/under-insured motorist policy. This policy kicks in if you are in a serious accident with one of the nearly 1 in 5 drivers who don’t have insurance. If your commute puts you in Detroit or other metro areas that have large numbers of uninsured drivers, the risk that you will have to bear the costs of repairs and pain, suffering, and disability goes up. So add an uninsured motorist policy to your New Year’s Resolution to make sure you are covered.
Resolve to Look at Coverage, Not Just Price
There are a lot of insurance companies out there, competing for your business. Some offer discounts and compete to be the cheapest option under Michigan’s No-Fault Auto Insurance laws. Others add in additional coverage that may or may not help you out in an accident. Some carriers are also notorious for interfering with their customers’ claims and forcing them to file expensive lawsuits. This year when you are reviewing your policy, make it your New Year’s Resolution to compare the companies’ reputation and the benefits you receive, not just the price.
The New Year is a great time to commit to changes for the better. Whether you need to get in line with Michigan law or are trying to get better service, now is the time to review your policy and make some New Year’s Resolutions to set things right.
David Christensen is an auto accident attorney for Christensen Law in Southfield, Michigan. He and his team fight against the insurance companies every day to get their clients the benefits they deserve. If you know someone who has been in an auto accident, contact Christensen Law today for a free consultation.