Our office will be closed Monday, January 19th in honor of Martin Luther King Jr. Day. For your convenience, the following systems will remain active during this time:
• Online Payments & EFT Account Management
• EZpay Phone System: (810) 600-3555
• Online Claims Systems
• After Hours Claims: (800) 837-7674
What coverage is mandatory under Michigan law?
- Personal Injury Protection (PIP)
- Property Protection Insurance (PPI)
- Residual Bodily Injury Liability (BI)
- Property Damage (PD)
What are the PIP coverage options?
- Unlimited
- $500,000
- $250,000
- $250,000 excluding all or some person(s) from PIP Medical
- $50,000 (for Medicaid recipients)
- Opt-out (for Medicare recipients)
Can I keep my insurance from another state?
Michigan requires residents to obtain insurance from a Michigan-licensed provider.
What happens if I don’t have insurance?
Fines, license suspension, denial of benefits, and potential lawsuits—even if not at fault or if no accident occurs.
Do I need insurance for all my vehicles?
Michigan law requires no-fault coverage for each registered vehicle.
What’s the difference between broad, standard, and limited collision coverage?
- Broad Coverage: If you are deemed to be less than 50% at-fault for an accident by your insurance company your deductible will be waived.
- Standard Coverage: Regardless of fault you will be responsible for paying your deductible. However, after a claim is completed the not-at-fault party can file a Mini-tort claim with the at-fault parties’ carrier to recoup their deductible cost.
- Limited Coverage: There is never a deductible required with Limited Collision. However, for there to be coverage the insured (you) must be less than 50% at-fault and supply a Police Report. If you are at-fault there is no coverage.
At the inception of any given auto policy the insured will select which coverage type they want on their vehicle(s).
What is the difference between Collision and Comprehensive coverage?
- Collision: This insurance covers your auto if it is involved in a collision (either your vehicle hits another vehicle/object, or another vehicle/object hits your vehicle). It also includes rollover accidents. However, many common incidents are excluded under this coverage, such as hitting an animal, fire, theft/larceny, windstorm, hail, water/flood damage, and vandalism.
- Comprehensive (also known as “Other Than Collision”): This covers losses excluded under Collision coverage (such as hitting an animal, theft/larceny, hail, etc.) and not subject to other policy exclusions.