Attorney Michael Morse explained why Michigan is an expensive state for car insurance. (Credit: WJBK | myFOXDetroit.com)
DETROIT (WJBK) -
"If you're going to get in a car accident and you're going to get injured, you want it to be in Michigan," said attorney Michael Morse.
Morse deals with accident victims all day long. He's talking about no fault insurance. It's a blessing on the roads that you could say is a curse on your wallet.
CarInsuranceQuotes.com put Michigan as being the most expensive in the nation for car insurance when median cost and median household income are factored into the equation. One of the reasons is because of what you are paid when you're injured.
"We're the only state in the country that has unlimited medical benefits. No matter what your injury is, you will get the rehabilitation you need here in Michigan."
"I can't afford a new car. Can't afford the car insurance. You can't get a new car with no car insurance. That's the law," one man remarked.
Detroiters will tell you the bill is crashing their bottom lines.
"Paid $3,500 to $4,000 for just me and my wife, and I'm 62 years old," another said.
High insurance is why Parts Galore on Eight Mile in Detroit is doing so well. Can't afford the collision insurance? You go there, pick out a part and slap it on yourself. It's the only way for some Detroiters.
So what can you do? Morse said start with shopping around and asking for discounts. If you have an old car that's on its way out, maybe you don't need collision coverage. You could drop it, Morse said. Also, check what's on your policy line by line with your insurance company and find out what you may and may not need.
"Look to see if you have any incidentals on the policy that you don't need. Sit down with your agent. Have them go line item by line item and see if you actually need every benefit that you're paying for. Also, lastly, raising your deductible is a really good way to lower your insurance."
Morse said low credit scores are another reason for the high insurance rates in some parts of the state, including Detroit. So in order to pay less for insurance, try to get that score back up.
Tuesday, May 21 2013 6:21 PM EDT2013-05-21 22:21:52 GMT
As people struggle to pick up the pieces in the areas of Oklahoma ravaged by tornadoes, we've learned some relief will be coming from right here in Michigan.
As people struggle to pick up the pieces in the areas of Oklahoma ravaged by tornadoes, we've learned some relief will be coming from right here in Michigan.
Tuesday, June 18 2013 11:08 AM EDT2013-06-18 15:08:18 GMT
Chrysler on Tuesday is expected to file papers explaining its refusal to recall 2.7 million older Jeep SUVs that are at risk of catching fire in rear-end collisions.
In one of the biggest-ever showdowns between an automaker and the government, Chrysler on Tuesday is expected to file papers explaining its refusal to recall 2.7 million older Jeep SUVs that are at risk of catching fire in rear-end collisions.
Monday, June 17 2013 5:55 PM EDT2013-06-17 21:55:56 GMT
A new search for the remains of Jimmy Hoffa is underway in northern Oakland County. Armed with a search warrant, the FBI moved in Monday morning and started digging in Oakland Township.
A new search for the remains of Jimmy Hoffa is underway in northern Oakland County. Armed with a search warrant, the FBI moved in Monday morning and started digging in Oakland Township.
Friday, June 14 2013 10:25 PM EDT2013-06-15 02:25:13 GMT
A team led by a state-appointed emergency manager said Friday that Detroit is defaulting on about $2.5 billion in unsecured debt and is asking creditors to take about 10 cents on the dollar of what the city owes them.
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Tuesday, June 18 2013 11:38 PM EDT2013-06-19 03:38:44 GMT
After initially defying federal regulators, Chrysler abruptly agreed Tuesday to recall some older-model Jeeps with fuel tanks that could rupture and cause fires in rear-end collisions.
After initially defying federal regulators, Chrysler abruptly agreed Tuesday to recall some older-model Jeeps with fuel tanks that could rupture and cause fires in rear-end collisions.
Tuesday, June 18 2013 11:29 PM EDT2013-06-19 03:29:11 GMT
An angry pastor is trying to keep his cool. He is mad at whoever tore apart his air conditioning unit to steal the copper, but he also says the entire community shares the blame.
An angry pastor is trying to keep his cool. He is mad at whoever tore apart his air conditioning unit to steal the copper, but he also says the entire community shares the blame.
Tuesday, June 18 2013 9:46 PM EDT2013-06-19 01:46:58 GMT
Nearly a hundred years ago, two girls from Detroit put a message in a bottle and threw it into the waters of the St. Clair River. Now that message is back on dry land after being found by a diver in 30 feet of water.
Nearly a hundred years ago, two girls from Detroit put a message in a bottle and threw it into the waters of the St. Clair River. Now that message is back on dry land after being found by a diver in 30 feet of water.
Tuesday, June 18 2013 7:26 PM EDT2013-06-18 23:26:33 GMT
The latest dig in the search for former Teamsters' boss Jimmy Hoffa will resume on Wednesday in an Oakland Township field. So far, crews have found two concrete slabs and animal bones.
The latest dig in the search for former Teamsters' boss Jimmy Hoffa will resume on Wednesday in an Oakland Township field. So far, crews have found two concrete slabs and animal bones.
Tuesday, June 18 2013 4:54 PM EDT2013-06-18 20:54:19 GMT
Who will open for Bon Jovi at Ford Field on July 18? Your vote will decide. 20 bands left in the Fox Rocks contest. Voting period: Now through July 10. Time to 'Fox Rocks' the vote.
Who will open for Bon Jovi at Ford Field on July 18? Your vote will decide. 20 bands left in the Fox Rocks contest. Voting period: Now through July 10. Time to 'Fox Rocks' the vote.
Tuesday, June 18 2013 12:20 PM EDT2013-06-18 16:20:44 GMT
Detroit Metropolitan Airport officials evacuated a section of the McNamara Terminal Tuesday morning after a canine picked up the scent of explosives on the apron, where planes load.
Detroit Metropolitan Airport officials evacuated a section of the McNamara Terminal Tuesday morning after a canine picked up the scent of explosives on the apron, where planes load.
Attorney Michael Morse explained why Michigan is an expensive state for car insurance. (Credit: WJBK | myFOXDetroit.com)
