Home

Life

Health

Commercial

Auto

Auto

Auto-Owners Car Insurance

Michigan Automobile Protection

Broad, Flexible Protection For Your Automobile... And You!

Bodily Injury Liability
Pays for damages that involve bodily injury to others for which you become responsible under law.

Property Damage Liability
Pays for damages to property of others for which you become responsible under law. This coverage only applies to accidents occurring outside the state of Michigan.

Personal Injury Protection
Pays for injuries to you and your family members regardless of who is at fault. It may also pay for the income you lose as a result of your injuries and for the financial support your dependants require should you die from your injuries.

Property Protection Insurance
Pays for damages, regardless of fault, done by your car to properly parked vehicles or fixed properties such as buildings or lamp posts. This coverage applies to those damages that occur in the state of Michigan.

Special Tort Liability
If you are involved in an accident in which you are considered more than 50% at fault, this coverage protects you for up to $400 toward another driver's collision deductible -- or if they do not possess collision coverage, up to $400 in damages.

Comprehensive
Pays for loss or damage to your vehicle and its equipment from all causes except collision.

Collision
Pays for collision damage to your automobile and its equipment. There are several deductible options available to you.

In Michigan, You Have A Choice of Three Different Collision Coverages:

Limited Collision
Pays for damage to your vehicle only if the driver of your vehicle is not more than 50% at fault.

Regular Collision
Pays for damage to your vehicle regardless of fault, subject to the deductible chosen.

Broad Collision
Pays for damage to your vehicle regardless of fault. If you are not more than 50% at fault the deductible will be waived.

Additional Optional Coverages

Uninsured Motorist
Pays for bodily injury claims caused by an uninsured motorist. This coverage allows you to recover damages due to an accident where the other party does not have insurance, and they are found legally liable.

Underinsured Motorist
Pays bodily injury damages to you in the event the negligent party does not have the adequate liability limits, or the damages exceed the economic losses normally covered by your personal injury protection coverage

Road Trouble Service
Pays you up to the policy limit for expenses incurred if you automobile fails to operate.

Additional Expense Coverage
Pays you for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensive or collision coverages. These include rental cars, food, lodging, and other incidental expenses.

"Drive Other Cars" Coverage Extension
May be written if coverage is needed for the operation of an automobile furnished for regular use or a commercial automobile used for business purposes.

Auto-Owners Extra Features

• Coverage is provided when traveling in the United States, Canada, or Mexico. (However, we recommend bodily injury and property damage liability coverage be purchased at the Mexican border.)
• Rental vehicles are covered if our policy insures you as an individual and our policy insures private passenger autos, and the rental vehicle is not for regular use. The coverage extended to the rental vehicle will be the same as those provided in your insured vehicle
• Additional coverage for leased vehicles may be added to your policy to provide limits in excess of the actual cash value. This coverage applies if your lease agreement makes you liable for an amount greater than the actual cash value of the car at the time of a covered theft or total loss.
• Utility trailers, vacation trailers, and camper bodies may be covered for physical damage.
• Motor homes, antique automobiles, motorcycles and recreational vehicles may be covered for both liability and physical damage.
• There is no depreciation taken when a total loss occurs within 90 days from the time a car is purchased new.
• There is $200 coverage on personal property stolen from your car (evidence of forcible entry required) or damaged in a collision.
• The collision deductible is waived when two Auto-Owners insureds collide.
• Coverage for permanently attached mobile car phones may be added to your policy.
• Any damage to your car caused by collision with an animal or bird will be paid under either comprehensive or collision coverage, whichever coverage pays you the most.
• Automobiles that have historically fared better in protecting occupants in an accident receive premium savings on personal injury protection coverage.
• Those vehicles that have historically shown lower repair costs when involved in an accident receive premium savings on comprehensive and collision coverage.

Premium Discounts Available

• Multi-Policy
• Multi-Car
• Airbag(s)
• Anti-Locks Brakes (ABS)
• Anti-Theft Device
• Safe Drive

"No Problem" Claims service
Auto-Owners has over 40 branch claim offices serving policyholders. The company firmly believes in the value of dealing with each insured through personal contact with company staff adjusters. When there is a claim, an entire cycle of communication is started. It begins when the policyholder contacts the agent who contacts a claims adjuster, who in turn ends the cycle by contacting the policyholder to settle the claim.