How do I know what coverage I need?
Talk to your local Meemic agent to help you determine which coverages and amounts fit your situation.
How much coverage should I purchase?
Your state has minimum requirements for certain coverages to help cover expenses and damages when you’re involved in an accident, but the minimums may not be enough. Talk to your local Meemic agent to help you determine which coverages and amounts fit your situation.
What are the different types of car insurance coverages?
- Different types of coverage that are available under a Meemic car insurance policy include, but are not limited to, Personal Injury Protection or Medical Payments Coverage, Bodily Injury Liability, Uninsured/Underinsured Motorist, Collision and Comprehensive coverage.
- Personal Injury Protection (MI) or Medical Payments Coverage (IL, WI, GA) provides coverage for medical expenses if you are injured in an accident. Bodily Injury Liability provides coverage for bodily injury damages to others who are injured in an accident if you are legally liable.
- Uninsured/Underinsured Motorist provides coverage for your bodily injury damages if you are injured in an accident in which the person who is legally liable does not have adequate insurance.
- Collision provides coverage for damage to an insured car resulting from an accident.
- Comprehensive provides coverage for damage to an insured car resulting from storms, vandalism, animals and falling objects.
How can I keep my car insurance rate low?
By choosing collision coverage with a high deductible, you can keep your premiums lower. Talk to your local Meemic agent about your deductible and ask about discounts for the educational community.
What is the cheapest car insurance?
Saving money on your car insurance is important, but having the amount of protection you need in case of an accident is just as valuable. Do your research to ensure that you know how much coverage you need and want before comparing rates.
What should I do after an automobile accident?
- Stop your vehicle in as safe a place as possible. Turn off the ignition. Get out of the vehicle carefully and determine if anyone is injured. You may administer first aid, if needed, but usually you shouldn’t try to move an injured person.
- Call the police (911) immediately. Be sure to tell them about any injuries. The police will notify the nearest medical unit.
- If possible, move your vehicle to prevent additional accidents and further damage. If your vehicle cannot be moved, turn on the hazard lights and ask the investigating officer to help you set up flares until the vehicle can be towed.
- If another vehicle is involved, record the other vehicle's year, make, model and license plate number. Get the driver's name, address, license number and the name of his or her insurance company. If the driver doesn’t own the vehicle, get the name of the vehicle's owner. Also, get the names and addresses of any passengers in the vehicle or other witnesses.
- Write down the names and badge numbers of police and other emergency personnel at the scene. Ask the investigating officer how to obtain a copy of the police report for the insurance claim.
- If you think the other driver was under the influence of alcohol or drugs, insist on a breathalyzer test for you and the other driver.
- Cooperate with the police and other people involved, but don't apologize for the accident in any way. You may be required to say what coverages you have, but don't say how much insurance you carry.
- If the other person takes responsibility for the accident, don’t accept any money he or she may offer you. By accepting money, you may give up your right to file a claim against the other driver, even if the damages turn out to be more extensive than you originally thought.
- Never agree to forget about an accident, even if there appears to be no damage. You may find out later that there were actually hidden damages or injuries. You may even find out the other person has filed a lawsuit against you.
- Write down an account of what happened and everything pertinent to the accident: time of day, weather, hazards, road conditions and driving speed. Draw a rough diagram of the accident scene and show stop signs and lights, if applicable. Make notes about injuries or statements from anyone who says they aren’t hurt. Note any pre-existing damage on the other vehicle(s) involved.
- If a camera is available, take pictures showing the damage, position of vehicles, skid marks and anything else that will document what occurred. Make copies of the pictures.
- Report the accident to your insurance company immediately. Meemic Claims Services may be reached seven days a week, 24 hours a day at 800-231-5770.
Does Meemic offer roadside assistance and towing?
- If your insurance coverages include road service and towing, Meemic will reimburse you up to the policy limit on your declaration page. Payment is on a reimbursement basis. When submitting receipts, include:
- Your policy number
- Date of service
- Vehicle serviced
- Amount of bill
- Submit your bill by:
- Email: TowingBills@Meemic.com
- Fax: 800-231-5780
- U.S. Mail: 1685 N. Opdyke Road, Auburn Hills, MI 48326
Please allow 10 business days for the processing of your reimbursement following your submission. If you do not receive payment within 14 business days following your submission, please call us at 800-231-5770, ext. 31246.