Pioneer Insurance: Insuring your ride




Liability Coverages

Michigan law requires owners and operators of cars and trucks licensed for road use to carry these specific mandatory coverages. This is commonly referred to as No-Fault Auto Insurance.


Bodily Injury Coverage (BI)

• Limits: You select

• Pays for: Bodily injury to others


Property Protection Insurance Coverage (PPI)

• Limits: $1,000,000

• Pays for: Damage to others’ property Inside Michigan Only


Property Damage Coverage (PD)

• Limits: You select

• Pays for: Damage to others’ property Outside Michigan Only


Personal Injury Protection Coverage (PIP)


• Limits: Unlimited Medical

• Pays for:

- Bodily injury to you, resident family members and in certain circumstances non-family/ non-resident passengers of your vehicle

- Medical Expenses (reasonable and necessary)

- Funeral Expenses*

- Work Loss Benefits*

- Survivors Loss Benefits*

- Replacement Services*

* Subject to specific limits


Collision Coverage

It provides coverage for your vehicle if it is damaged due to a collision with another vehicle or object.


There are three options for Collision Coverage:


Broad Form

• Covers vehicle repairs: Regardless of fault

Deductible: Only if you are at fault


Standard Collision

• Covers vehicle repairs: Regardless of fault

Deductible: Always


Limited Collision

Covers vehicle repairs: Only if you are not at fault

Deductible: None


Comprehensive Coverage

(Other than Collision Coverage) Covers damages to your vehicle caused by risks such as:

- Theft of your vehicle

- Vandalism

- Impact with an animal

- Fire or water

- Flying/falling objects

- Glass damage


This coverage is subject to your deductible


Optional Liability Coverages


Uninsured Motorist Coverage (UM)

• Limits: You select

• Pays for: Bodily injury to you if you are involved in an accident with a liable uninsured motorist.


Underinsured Motorist Coverage (UIM)

• Limits: You select

• Pays for: Bodily injury to you if you are involved in an accident with a liable motorist without enough Bodily Injury Coverage.


Limited Property Damage (Mini Tort)

• Limits: $1,000 per vehicle

• Coverage: Only if you are at fault and the damage to the other driver’s vehicle is not covered by their own policy

• Pays for: Damage to another driver’s vehicle for which you become legally responsible because of an auto accident occurring in Michigan.


This brochure is intended to be a broad summary of the insurance coverages provided by a Personal Auto Policy. The information here is subject to policy terms and exclusions and does not replace your policy language. Read your full policy carefully and ask your Independent Insurance Agent if you have specifi c questions.

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Waterford, Troy, Farmington Hills, Southfield, Rochester Hills, W Bloomfield, Pontiac, Royal Oak, Novi, Commerce, Orion, Independence, White Lake, Madison Heights, Oak Park, Auburn Hills, Oxford, Birmingham, Ferndale, Highland, Oakland, Michigan, Pioneer Insurance, Auto Insurance, Home Insurance,

The Huttenlocher Group

1007 W Huron St, Waterford , MI  48328

(248) 681-2100

1007 W Huron St, Waterford Twp, MI 48328

(248) 681-2100

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