The Basics

Liability: If you harm another person or their property while driving, this policy kicks in to cover those expenses, and it offers protection in case you get sued. Most states, including Michigan, require it.

Uninsured/Underinsured Motorist: When you’re in an accident with a driver who is at fault, and who doesn’t have insurance coverage or adequate liability limits, you can rely on this solution to come through for you.

Medical Payments and Personal Injury Protection: Together, these pay your medical bills and those of your passengers if injured in an automobile accident, regardless of who is at fault. In addition, they cover health costs and wages lost due to the accident. 

Additional Protection

Collision: When you’ve been in an accident, this covers the cost of repairing or replacing your vehicle.

Comprehensive: Think of all the ways your car can be damaged by something other than a collision—like weather, fire, vandalism, animal and theft to name just a few. That’s why this coverage is needed.

Roadside Assistance: You know what it’s like to be stranded on the side of the road with car trouble? We don’t like it either. This coverage ensures help is on the way, whether you lock your keys in the car, run out of gas, get a flat tire or anything else that brings you to a halt.

Additional Expense: Extra expenses have a way of multiplying when you’ve been in a car accident. There’s the rental car, plus all those other costs if you’re nowhere near home like food and a place to stay. This coverage covers it all. 

Loan Gap/Lease Gap: Your car loses value the moment it leaves the lot, which means if you get in an accident, you’re liable for the difference between the current value of your vehicle and the amount you still owe. This coverage fills that gap.

Diminished Value: Even with repairs, the value of a car that’s been in an accident may be reduced. This coverage compensates you on the difference, protecting your investment.

Packaged Services: Get an even better rate when you package optional coverage policies together. This special deal protects you from expenses related to replacing your cellphone, re-keying locks, identity theft, and more.


Multi-policy discount
Safe driver discount
Bank customer discount
Group discounts

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