Feb 05, 2017  · No Fault Insurance – IF you have it or IF the DRIVER of the OTHER VEHICLE has it and IS at fault. Most places require LIABILITY which does NOT cover the car. comprehensive covers the car. If you have a LOAN on the car…the creditors require that you have coverage to cover the "value" of the car. Lets say you have a 5 year old car.

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Collision coverage pays for the repair or replacement of your car, even if you are at fault in an accident. It covers you whether you hit another car, a building or a tree, according to the National Association of Insurance Commissioners (NAIC).

Unlike liability, PIP insurance will pay for your medical costs, up to the policy’s limits, even if you were at fault. Medical payments coverage, which pays for medical expenses regardless of fault.

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Oct 19, 2015  · In Michigan, property protection insurance coverage is no-fault (meaning it pays even if you are at fault for damage). In your state, that might vary. Property protection insurance does not cover you in the event of an car-on-car accident, regardless of fault. If you want to extend your liability insurance further, you can do so with an umbrella insurance policy. bodily injury Liability:

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The key to finding the best policy is determining the extent of car insurance you actually need. While you don’t necessarily …

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