CAR INSURANCE IN GRAND RAPIDS, MICHIGAN
|
Welcome to RGC Insurance, your premier choice for auto insurance in Grand Rapids, MI. We understand the unique needs of Michigan drivers and are committed to providing you with the best coverage at competitive prices. With our expert team and personalized approach, you can trust us to protect what matters most, affordably—your vehicle and your peace of mind.
|
Why Choose Us?1. Local Expertise: As a locally owned and operated agency, we know the ins and outs of Michigan's auto insurance requirements. Our deep understanding of Grand Rapids' driving environment enables us to offer customized solutions that truly meet your needs. We live and work in the area, so who better to trust than your neighbors.
2. Comprehensive Coverage Options: Whether you're looking for basic liability coverage or full protection with collision and comprehensive insurance, RGC Insurance has you covered. We work with top-rated carriers to provide a wide range of options tailored to fit your lifestyle and budget. 3. Exceptional Customer Service: At RGC Insurance, we believe in building lasting relationships with our clients. Our dedicated agents are here to answer your questions, assist with claims, and ensure you have the best possible experience. 4. Competitive Rates: We understand that affordability is key. Our team constantly evaluates the market to offer you the most competitive rates without compromising on coverage quality. |
Our Companies
|
Unique Car UseDrive for one of the companies below? We've got you covered!
|
Coverages and Recommendations
Bodily Injury Coverage
What it is
Bodily injury liability coverage is a key component of Michigan auto insurance that helps pay for medical expenses, lost wages, and legal fees if you are found at fault in an accident that results in injury or death to another person. This coverage protects you from significant out-of-pocket costs and potential lawsuits by compensating the injured parties up to the policy's limit.
What it isn't
Bodily injury coverage does not pay for your own medical expenses or injuries sustained in an accident. It also does not cover damage to your vehicle or other property. For your medical costs, personal injury protection (PIP) is required under Michigan's no-fault insurance system. To cover vehicle damage, you'll need collision or comprehensive insurance.
Our Recommendation
$250,000 per person / $500,000 per occurrence or more.
Add up your assets, double that number and go to the next limit above your number. With our agency, we would say no less than $250,000 per person. Most any serious losses where you injure the other party will add up to this amount in a hurry. If you don't have enough, the court can order for it to come out of your pocket. To add your assets easily, go here: Insurance Needs Assessment Tool
Example: if you own a home worth $300,000, have $80,000 in retirement and other assets of about $30,000, your number is $410,000*2 = $820,000. We would say you should have no less than $500,000, but would recommend $1million.
Your options
Add up your assets, double that number and go to the next limit above your number. With our agency, we would say no less than $250,000 per person. Most any serious losses where you injure the other party will add up to this amount in a hurry. If you don't have enough, the court can order for it to come out of your pocket. To add your assets easily, go here: Insurance Needs Assessment Tool
Example: if you own a home worth $300,000, have $80,000 in retirement and other assets of about $30,000, your number is $410,000*2 = $820,000. We would say you should have no less than $500,000, but would recommend $1million.
Your options
- $50,000 per person / $100,000 per occurrence
- $100,000 per person / $300,000 per occurrence
- $300,000 per person / $300,000 per occurrence
- $250,000 per person / $500,000 per occurrence
- $500,000 per person / $500,000 per occurrence
- $500,000 per person / $1,000,000 per occurrence
- $1,000,000 per person / $1,000,000 per occurrence
- More with an umbrella policy
