Your carrier will pay for collision damage up to your limit of liability. You are responsible to pay the collision deductible regardless of fault.

Your carrier will pay for collision damage up to your limit of liability. If the covered driver is substantially at fault, they are responsible to pay the deductible. If the other driver is substantially at fault, they are responsible to pay your deductible.

Your carrier will pay for collision damage only if the covered driver is deemed not substantially at fault for the accident. This coverage is still subject to your collision deductible and limit of liability.

Public Liability and Property Damage is a basic liability coverage for drivers in Michigan. There is no collision coverage for any covered or non-owned vehicle with this option. PLPD is not accepted for loaned, leased or financed vehicles.  

If you choose to carry collision coverage for your vehicle, the deductible can range from $100 to $1000 depending on your carrier. The higher your deductible, the lower your monthly insurance payments will be.

You can still choose unlimited coverage and it will be automatically chosen for you if you do not select another option. Or you can choose $500,000 or $250,000 both options if you have a qualified health coverage in which all drivers are covered by health or auto accident coverage. If you are a Medicaid enrollee you can chose $50,000 in coverage but it’s subject to conditions.

This option typically covers damage from fire, vandalism, or weather-related causes. Collision with wildlife is also covered under comprehensive.

There are many deductibles to choose from depending on your insurance provider. Claims are subject to your deductible. The higher your deductible, the less expensive your insurance premiums will be.

Several carriers offer no out-of-pocket roadside assistance coverage for towing, flat tire service, running out of gas, or locking your keys in your car.

This coverage reimburses you for rental vehicle coverage for up to 30 days while your vehicle is being repaired from a comprehensive or collision claim. Typically, you will be reimbursed from $20 to $50 a day.