We Make It Easy

Our Thoughts Are With Those Impacted by the Recent Michigan Tornadoes

We are deeply saddened by the recent tornadoes that touched down across Michigan, resulting in significant property damage and, tragically, loss of life. Our thoughts are with everyone affected. If you or your loved ones were impacted, we hope you are safe and know that we are thinking about you during this difficult time.
Your safety and well being come first. Once you are safe and able, the following best practices may help as you begin the recovery process.

Please Stay Safe

Do not enter damaged structures until authorities say it is safe to do so.
Be mindful of downed power lines, gas leaks, unstable structures, and debris.
If emergency services instruct you to evacuate or restrict access, please follow their guidance

Document the Damage

Take clear photos or videos of all visible damage before making repairs, if it is safe to do so.
Capture damage to the exterior, interior, and personal property.
Continue to document damage as conditions change or additional issues become visible.

Protect Your Property from Further Damage

Make reasonable and necessary temporary repairs to prevent additional damage (for example, tarping a roof or boarding broken windows).
Keep receipts for materials, supplies, or services used for these temporary repairs.

Temporary Living Expenses

If you are displaced from your home, keep a log of temporary lodging and meal expenses.
Save all receipts related to hotels, short term rentals, meals, and other necessary living expenses incurred due to displacement.

Do Not Dispose of Damaged Property

Please do not throw away damaged items until your insurance company has had an opportunity to review them or has authorized disposal.
If items must be removed for safety or health reasons, take photos first and keep samples when possible.

We Are Here to Help

When you are ready, please contact your agent to begin the claims process or if you have questions about next steps. We are committed to supporting you with care, compassion, and clarity as you move forward.

Continue to the Pioneer Website

For most people, the measure of an insurance company revolves around one question: "Are you going to make me think about insurance?" In those (hopefully) rare instances, we all want our interactions to be as short and easy as possible. That's what we mean when we talk about focusing on customer experience. Have a claim? We'll explain the process to you step-by-step and make things as painless as possible. Have a question about your bill? If you call, you'll find yourself speaking with a real, live person who can help.

It's not rocket science. We just try hard to Make It Easy.

Working with Independent Agents

Speaking of being helpful, are you aware that your Independent Agent is your local, personal, insurance expert? Yep. If you have a question about insurance from what coverage and limits are right for you, to how No-Fault Insurance works in Michigan, they are your best resource. Seriously, try and stump them. But if you do, this wasn't our idea!

Customer Satisfaction

Everyone talks about how happy their customers are, but when it comes to people who have reported claims we get their feedback. And the reason our Claims Satisfaction rating is always so great is because we take feedback seriously.

Online Features & Digital Technology

There are two starting points for interacting with Pioneer State Mutual online: our website and our mobile app. Both offer the same policy and account management features, but the mobile app also maintains your auto proof of insurance certificates offline – in case you need them while in an area without cell service.

With Pioneer you can manage your billing, view or report claims, find and eSign documents, and update your paperless contact preferences online. Most companies have those elements, but what sets Pioneer apart are the following features:

Claims Reporting
Open the website or mobile app, tell us who you are via your My Pioneer login or PIN # and a couple minutes later your claim is reported to Pioneer. We walk you through a short step-by-step process so you can check this off your list and get back to more important matters. To top it off, if you use your phone, you can simply attach photos of any damages in seconds!

Policy Changes
Managing your policy is easy to do, no matter what time of day! Your agent is always notified of any changes you make, so you can be confident adjusting things on your own. Here are just a few of the things you can do online:
• Add/Replace/Remove vehicles
• Change Deductibles
• Add/Remove Optional Coverages
• Modify Coverage Limits

Public Quoting
Get an auto or renters quote online, set up your coverage preferences, and purchase your policy in a matter of minutes. It might seem commonplace in the world of insurance, but there’s a difference. You don’t get these features from other companies who offer the services of independent agencies. Quote with the big companies, and you are captive to their agent (if you even get one). With Pioneer your Independent Agent is your insurance expert who is well-versed in the inner workings of many different insurance companies – not just one.

Ballpark Quoting
Sometimes you are nearly ready to pull the trigger on a new vehicle, but which one you choose can depend on the impact to your insurance premiums. Quickly compare vehicles and estimated impacts to your rate on YOUR policy so you can make an informed choice. You might even have a young driver about to take the wheel. With your My Pioneer account you can check out what adding them to your policy will do to your rates! Buying them their first car at the same time? No worries, you can quote that too. When you’re ready, jump in and make the change for real!

At Pioneer we provide all the technology of a national insurance carrier, with the expertise and experience of a local company. As one Pioneer customer kindly put it, we “punch above our weight class” with our digital platforms.

How-to and Educational Videos

If you were wondering about what you can do regarding your policy on our website, or have questions about the claims process, we have a few helpful videos which you may be interested in.