Grosse Pointe Insurance Solutions
Looking for car insurance in Grosse Pointe? Carly Copus helps local drivers explore auto insurance options, review current coverage and prepare for a new vehicle or household driver. Get personalized help comparing protection and pricing, with Michigan no-fault, PIP medical and collision choices explained along the way.
Your life, your details
An independent agency helps you explore coverage and pricing from multiple insurance companies. Carly starts with your household and the vehicles you use, then reviews available options. Compare liability limits, PIP medical selections, collision forms and deductibles alongside the premium: two policies with similar prices can provide substantially different protection. Availability depends on your situation and the insurer.
Michigan’s required no-fault policy includes Personal Injury Protection (PIP), Property Protection Insurance (PPI) and residual liability. PIP provides benefits for eligible accident injuries regardless of fault, subject to the law and policy. The PIP medical choice limits medical benefits; other PIP benefits, such as wage loss and replacement services, have separate rules. Required no-fault coverage does not generally pay to repair your own car after a collision.
The six PIP medical choices are unlimited, $500,000, $250,000, $250,000 with qualifying exclusions, $50,000 for qualifying Medicaid households, and a qualifying Medicare opt-out. Dollar limits apply per person, per accident. Unlimited applies by default when no valid selection is made. Choosing a cap can leave medical costs above it to other coverage or to you.
With the $250,000 exclusion option, a named insured being excluded needs qualified health coverage other than Medicare; an excluded spouse or resident relative needs qualified health coverage. The $50,000 option requires the named insured to be enrolled in Medicaid, with the spouse and all resident relatives enrolled in Medicaid, carrying qualified health coverage, or covered by another auto policy with PIP medical. Opt-out requires the named insured to have Medicare Parts A and B, and the spouse and all resident relatives to have qualified health coverage or PIP medical under another auto policy. Documentation and selection forms apply. Review eligibility at renewal and notify your auto insurer promptly if supporting health coverage ends.
Michigan’s default bodily injury liability limits are $250,000 per person and $500,000 per accident. You can elect lower limits, down to $50,000/$100,000, by completing the required selection process and acknowledging the risks. Liability can arise for serious injuries and other circumstances allowed by law. A judgment exceeding your limit can put your income and assets at risk. Discuss higher limits and any umbrella requirements with Carly.
Michigan requires $1 million in PPI coverage. It pays for covered damage your vehicle causes in Michigan to other people’s property, including buildings, fences and properly parked vehicles. It does not generally cover damage to moving vehicles or repairs to your own car. Out-of-state property damage liability is a separate part of your policy.
Michigan’s mini-tort framework allows recovery of up to $3,000 for vehicle damage not covered by insurance, subject to fault and statutory requirements. You may face a claim if you are 50% or more at fault. Recovery can include a collision deductible; it is not a substitute for insuring a vehicle’s full value. Optional limited property damage liability coverage addresses this exposure. Ask whether it is included in your quote.
Broad collision generally covers collision damage regardless of fault and waives the deductible when you are 50% or less at fault. Standard collision generally covers damage regardless of fault, with your selected deductible applying. Limited collision generally pays only when you are 50% or less at fault; a deductible may apply depending on the option purchased. If you are more than 50% at fault, limited collision does not pay. All three remain subject to policy terms and exclusions.
Comprehensive addresses covered noncollision losses such as theft, fire, hail and other weather damage, falling objects, vandalism and direct collisions with animals. Review the deductible, exclusions and settlement terms. A lender or leasing company may require both comprehensive and collision coverage.
Uninsured motorist coverage can help with covered bodily injury damages caused by an uninsured driver; underinsured motorist coverage can help when an at-fault driver’s liability insurance is insufficient. These optional coverages have policy-specific limits, conditions and exclusions. Do not assume they pay every medical bill or repair your car.
Driving history, vehicle characteristics, household drivers, annual mileage and vehicle use can affect a quote, along with the coverages, deductibles and eligible discounts selected. Insurers use approved rating plans, so options differ. Michigan prohibits using sex, marital status, home ownership, credit score, education level, occupation and ZIP code to set auto rates. Ask about available multi-policy discounts without assuming a particular savings amount.
Commutes, business use, delivery work, occasional drivers and seasonal storage are useful details to raise early. Our existing quote form lists drivers and vehicles separately. Send your current declarations page if available, and mention home or umbrella policies so Carly can review the policies together. A request does not bind, cancel or change insurance.
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ReadA few common questions
Start with required PIP, PPI and residual liability, then review your household, assets, health coverage and vehicle financing. The legal minimum may leave substantial exposure. Carly can explain the choices; there is no single limit that fits every driver.
Both generally cover collision damage regardless of fault. Broad collision waives the deductible when you are 50% or less at fault; standard collision applies your chosen deductible regardless of fault. Policy terms still apply.
The required policy includes PIP for eligible injury benefits, PPI for covered property damage in Michigan, and residual liability. No-fault does not mean every loss is covered. Repairs to your own vehicle usually require optional collision or comprehensive coverage.
As an independent agency, GPIS helps you explore options from multiple insurers. Available markets depend on your drivers, vehicles and underwriting eligibility. Compare the coverage details with the price.
You can request a change before renewal. Confirm cancellation terms, any fees and refunds with your current insurer, and coordinate effective dates. Have the replacement policy confirmed in force before canceling the old one to avoid a gap.
Some insurers offer multi-policy discounts, subject to eligibility. Savings are not guaranteed. Compare the combined premium and protection with separate policies before deciding.
Tell Carly about permit holders and newly licensed household drivers, the vehicles they use and any school-related changes. Review liability limits, collision deductibles, household listing requirements and eligible discounts before assuming the existing policy is sufficient.
Review the benefits and risks of each level, health coverage for the named insured, spouse and resident relatives, and the required documentation. A medical cap or exclusion can leave costs unpaid by auto insurance. Carly can help you review the DIFS selection form without choosing for you.
Coverage is subject to policy terms, limits, exclusions and eligibility. A request does not bind or change insurance.
Your local agent
Carly Copus is your local insurance contact at Grosse Pointe Insurance Solutions, part of RGC Insurance Group. She helps drivers understand coverage choices, compare available quotes and request policy changes, with ongoing agency support when household needs change.
Coverage information checked October 14, 2026. These explanations are general; policy terms and eligibility govern.
Read our Michigan no-fault and PIP guide · Review teen and new driver considerations
Get personalized guidance from Carly Copus and explore auto insurance coverage options suited to your needs.