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 specific questions.