Auto Insurance in Michigan

Auto insurance is designed to protect your vehicle if it is damaged in a crash. It also protects the insured if they damage someone else’s property or injure another person. At Ottawa Insurance, we have a competitive lineup of insurance carriers that will fit your unique coverage needs as well as your budget.

Is Auto Insurance Required?

If you own and operate a vehicle on public roads in Michigan, auto insurance is required by the State and must meet the minimum requirements mandated by the State. If you have a loan on your vehicle, your lender may require you to have full coverage until the loan is paid off.

Auto Insurance Coverage

Auto insurance covers you for the following:

Collision: After a car accident, your vehicle may have sustained damage. This coverage will pay for repairing or replacing your vehicle if it is damaged by the impact from another vehicle or with a stationary object.

Comprehensive: If your vehicle is damaged by theft, fire, vandalism, animals or weather, this coverage provides you with compensation to repair or replace your vehicle.

Bodily Injury: If you are at-fault in an accident and you injure another party, your auto insurance will pay for medical expenses of the injured party.

Property Damage: If you damage someone’s property and you are at-fault, your insurance coverage will provide coverage for these damages.

Uninsured/Underinsured Motorist: This coverage protects you from drivers who are uninsured or only insured with minimal liability limits. If they cause an accident, this will protect you if you are injured.

Roadside assistance: This coverage protects you if you get a flat tire, need a battery jump, or have some other sort of mechanical issue. If you need your vehicle towed, this coverage also provides you with the assistance you need.


If you are interested in receiving an auto insurance quote, please call Ottawa Insurance Agency today. We are located in Zeeland, MI.