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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.

Integon Car Insurance

You've Come To The Right Place
There are a number of good reasons Integon has become one of the nation's largest auto insurance specialists. One key reason is the professionalism of the Independent Agents who offer our policies.
You can count on your agent for sound insurance advice; clear, honest answers to your questions; and fast, friendly service. You can also count on your Independent Agent -- who offers insurance from several companies -- to make sure you're not paying more than you should for the coverage you need.

We Have Exactly What You Need
Your agent's reputation depends on how well he or she meets your particular insurance needs and how well Integon meets your expectations for price, service, and reliability. Since 1920, Independent Agents have turned to Integon -- one of the most efficient companies in the industry -- as their partner to provide financial protection for their customers who need car insurance.

Why? Because they know we'll deliver precisely what we say we'll deliver:

• Competitive prices with discounts for safer cars and drivers
• Affordable down payments and convenient payment plans
• Fast, fair, reliable claims service -- claims can be reported 24 hours a day, 7 days a week
• Financial stability -- over a billion dollars in assets

Getting Your Money's Worth
 We ask customers with claims to rate Integon's service. Here's what two policy holders recently had to say:
"Just want you to know that your adjuster was very considerate of our situation. You will never know how important this was at a time like that for us."

"The best dealings that I have ever had with any insurance company -- anytime, any place."

We Provide More Than Auto Insurance
In addition to being a leading writer of personal automobile insurance, Integon also offers Commercial Auto insurance and motorcycle insurance in most states.

Commercial Auto -- Our Commercial Auto program is specially designed for commercial auto risks for individuals and businesses. We offer competitive rates for contractors, artisans, tradesmen, dump trucks, tow trucks, and small fleets.

Motorcycle -- For motorcycle owners, we offer a variety of coverage options and discounts designed to provide maximum coverage at a minimum rate. The program is especially competitive for experienced riders with Harley-Davidsons and other touring bikes.

Count On Us Today And Tomorrow

In business since 1920, Integon is a member of the GMAC insurance group. With combined $1.3 billion in net written auto premiums annually, the GMAC insurance companies together are positioned as the 15th largest underwriter of personal lines insurance. Today, Integon is represented by 12,500 Independent Insurance Agents, and has over 2,300 employees serving nearly one million policyholders in 31 states.

Integon is rated A+ (superior) by A.M. Best, the independent rating firm that rates insurance companies' financial stability. 

Auto-Owners Car Insuranace | Integon Car Insurance

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