Michigan auto insurance, explained simply.

Michigan is a no-fault state: your own policy pays for your medical costs after a crash, regardless of who caused it. State law requires every Michigan auto policy to include three parts: Personal Injury Protection (PIP), Property Protection Insurance (PPI), and residual bodily injury/property damage liability.

Michigan’s 2019 no-fault reform changed PIP from one-size-fits-all into a choice. You can now choose unlimited PIP, $500,000, $250,000 — or, with qualifying health coverage, $50,000 (Medicaid) or opting out of PIP medical coverage entirely. The level you pick is one of the biggest factors in your premium, and the wrong choice can leave you exposed after a serious crash. We walk you through each option in plain English so you choose the level that fits your household.

Coverage we quote.

• Residual liability (bodily injury & property damage)
• Personal Injury Protection (PIP) — every available option level
• Property Protection Insurance (PPI)
• Collision and comprehensive, with deductible options that fit your budget
• Uninsured/underinsured motorist coverage
• Roadside assistance and rental reimbursement

Discounts we check for you.

Multi-policy, good driver, defensive driving course, good student, paid-in-full, paperless billing, telematics and usage-based programs — we run your profile against every carrier’s discount list, because the cheapest advertised rate means nothing if you’re missing discounts you qualify for.

Why buy through an independent agency?

Captive agents sell one company’s policies. We shop the market for you, so if your rate creeps up at renewal, we move you — you don’t have to start over somewhere new.

Get a free auto insurance quote: call or text 734-419-1267, email akmal@ayeshinsuranceagency.com, or visit us at 1850 S Newburgh Rd, Westland, MI 48186. Mon–Fri 10am–6pm, Sat by appointment.