Auto insurance
Pays for injuries and damage when a car you own is involved in a crash, and for the car itself if you choose.
Auto insurance is really several coverages sold together. Liability pays other people when you are at fault. Collision and comprehensive pay for your own car. In Michigan, personal injury protection pays your medical bills regardless of fault. The right mix depends on what you drive, what you own, and how much risk you are comfortable carrying yourself.
- Bodily injury and property damage you cause to others
- Your own vehicle (collision and comprehensive, if selected)
- Medical expenses under Michigan no-fault (PIP)
- Uninsured and underinsured drivers who hit you
- Rental reimbursement and roadside, when added
- Wear and tear or mechanical breakdown
- Ride-share or delivery driving unless endorsed
- Personal belongings stolen from the car (that is your home or renters policy)
- Anyone who owns or leases a registered vehicle
- Households adding a teen driver
- Drivers whose rates jumped at renewal
Questions people ask about auto.
What does comprehensive auto insurance cover?
Comprehensive pays to repair or replace your own car when it is damaged by something other than a collision: theft, vandalism, fire, hail, flood, falling objects, and…
AutoDo I need uninsured motorist coverage?
It is not required in Michigan, but it is the coverage that pays you when the driver who hurt you has no insurance or not enough. Roughly one in five Michigan drivers…
AutoWhy did my insurance premium increase?
Most increases have nothing to do with you. Carriers file rate changes with the state to keep up with repair costs, medical costs, and weather losses across everyone…
UmbrellaWhat does an umbrella policy actually do?
An umbrella adds a layer of liability coverage — usually $1 million or more — above the limits on your auto, home, boat, and other policies. It pays when a serious…
AutoShould I file this claim?
File when there is an injury, when someone else is involved, or when the loss is clearly larger than your deductible plus what a claim might add to your premiums over…
Comprehensive vs. collision in 60 seconds
What is the difference between comprehensive and collision?
Uninsured motorist coverage, explained
What does uninsured motorist coverage do in a no-fault state?
Why your renewal went up when nothing changed
Why did my premium go up at renewal?
Where auto shows up in real life.
Ready to see auto options?
A few questions, your ZIP, and we’ll show you which market fits before you give us a phone number.