With Locations in Sterling Heights and Almont, Michigan
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First Independent - Decamps is Sterling Heights' trusted source for personalized insurance. When you come to us, we take the hassle out of working with a large, impersonal insurance company, while still helping you get customized, affordable benefits that will always come to your aid at the times you need them most. Our promise is that every client will walk out our doors knowing that they have received optimized protection that will keep them safe in all parts of their life.
One of the most essential benefits that everyone needs is quality auto insurance. However, plans must be customized to the policyholder’s needs. With our network of quality carrier options available to you, we can ensure you get the most customized plan for your needs.
To get your auto insurance policy today, call us at 888-513-8784 or request your free quote now!
Common Auto Insurance Questions
What is auto insurance?
Auto insurance is a promise of financial assistance. By buying a policy, a driver agrees to pay the insurer, who in turn agrees to provide payment and other support to the driver in the event of unexpected, unavoidable vehicle accidents or other problems. With it, drivers will be reassured that they can recover from such challenges with minimal personal financial losses.
How does auto insurance work?
Any challenge or damage involving your vehicle could get very expensive, and it’s only natural to worry whether you will be able to afford such costs. Auto insurance will guarantee that you can. You can file a claim against this policy for accident costs and other losses for which you are responsible. The policy then pays a certain amount of money to aid you in your recovery costs.
Quality auto insurance will minimize your personal financial losses for such problematic losses, and you’ll be able to recover from these issues without costing yourself an arm and a leg.
What does auto insurance cover?
The average auto insurance policy can offer numerous benefits, including:
Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:
Is auto insurance required?
Every car owner must buy certain basic coverages in order to register a motor vehicle in Michigan.
Personal Injury Protection (PIP): If you are hurt in an automobile accident, this part of your no-fault policy will pay all reasonably necessary medical expenses with no maximum limit. It will also pay, up to a maximum amount, for the wages you would have earned if you had not been hurt, for up to three years. Visit www.michigan.gov/DIFS for current wage loss amounts. If you are killed in an accident, your policy will pay your spouse and dependents up to the monthly amount for three years, based on what they would have received from your earnings and fringe benefits.
Property Protection Insurance (PPI): Your policy will pay up to $1 million for damage your car does in Michigan to other people’s property, such as buildings and fences. This coverage will also pay for damage your car does to other people’s properly parked vehicles.
Residual Liability Insurance — Bodily Injury and Property Damage (BI/PD): The no-fault law protects insured persons from being sued as the result of an automobile accident, except in certain special situations. The minimum required BI/PD coverage limits are:
Up to $20,000 for a person who is hurt or killed in an accident.
Up to $40,000 for each accident if several people are hurt or killed.
Up to $10,000 for property damage in another state.
Drivers who have financed their vehicles might also be required to purchase collision, comprehensive, gap or other physical damage insurance in compliance with lender rules.
It is highly recommended that you carry more than just a minimum level of auto insurance on your policy, and we are the experts who can help you determine precisely which coverage is best for you.
What does auto insurance cost?
Numerous factors can influence the cost of your auto policy, including:
Your chosen coverage limits
The value of your vehicle
Your driving accident history
It is possible for two drivers to have identical policies, but still pay different prices for them. However, we’ll make sure that we search our carrier network to help you find the policy that will offer you the most optimized price level for the benefits of your choice.
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Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
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