Michigan's Requirements for Auto Insurance

In Michigan, all cars must have no-fault insurance. This means that every car on the road must be insured, and if an accident occurs their own insurance will cover any costs according to their plan.
The seceratary of state says the required coverages include: "bodily injury/property damage (BI/PD), personal injury protection (PIP), and property protection insurance (PPI)"

This basically means that if you have the state minimums of 20/40 (bodily injury/property damage) then you will still have to pay for any damage to your vehicle on your own. This low amount of coverage is generally recomended only for older cars.

You need to be able to prove that your automobile is covered by insurance if a police officer pulls you over. If you are not able to prove your insurance coverage to the officer, the SOS says,

"the court may order the Secretary of State to suspend your driver license. Until proof of insurance is shown, the Secretary of State will not renew, transfer, or replace your vehicle’s license plate. You may be required to prove the vehicle is insured for not less than six months and pay $50, plus any other fees required by law. The plate could also be canceled if proof of insurance is not produced."

As you can see, there are some stiff punishments from not having insurance. To avoid this, or ensure you and your car are properly covered, call your Michigan Allstate agent Craig Borowsky.

Toll free number (888) 991-2557
Visit the Secritary of State for the full Offical Michigan Insurance Requirements

Contact Me, Your Michigan Allstate Insurance Agent

There are many ways to talk to me. The one I recommend is to stop by my Allstate insurance agency. If you look at the pictures of the insurance office it is new, fresh and welcoming. When you stop by I can service your insurance needs more efficiently and we will have a chance to meet face to face.

The Borowsky Allstate Insurance Agency is located in Sterling Heights at the North East corner of Long Lake (18 Mile) and Dequindre across from the new Taco Bell behind Kmart in the Ambercrest Professional Buildings.


If you prefer to stay at home you have three options. You can call in, fax, or e-mail. We also have a toll free number for our customers in other parts of the state.

Toll Free 888-991-2557
Main line 586-991-0800
Fax 586- 991-0764

Email cborowsky@allstate.com

Grand Opening

We had our Grand Opening today. We invited all the employes in our office building to say hi and grab some Cold Stone. There was a drawing to win some great great Allstate prizes.

Office is Open

Finally! the day we have all been waiting for, the opeining day, June 1st. Everything came together just as planed. The construction, paint and furniture is all amazing.


Here are some pictures of Craig and Cindy Borowsky in their Allstate agency.