Auto
Michigan's no-fault system gives you more choices than most states. We'll explain every option so you choose the right protection, not just the lowest price.
Since Michigan's auto insurance reform, drivers choose their level of personal injury protection (PIP) for medical expenses. That choice has real consequences, and we walk you through it in plain language.
What's covered
Personal injury protection
Covers medical expenses and lost wages after an accident, at the PIP level you choose.
Bodily injury liability
Protects you if you're found at fault for injuring someone.
Property protection
Michigan coverage for damage your car does to other people's property, like buildings and properly parked cars.
Collision
Repairs your vehicle after an accident, regardless of fault.
Comprehensive
Covers theft, vandalism, hail, fire and deer collisions.
Uninsured motorist
Protects you when the at-fault driver has little or no insurance.
Who it's for
- Individual drivers
- Families with teen drivers
- Multi-car households
- Classic car owners
Common questions
Which PIP medical level should I choose?
It depends on your health coverage and how much risk you're comfortable with. We'll compare the options side by side before you decide.
Does comprehensive cover hitting a deer?
Yes. Deer collisions fall under comprehensive, which matters in Michigan.
How do I get a new ID card?
Request one anytime through our Support page. Most carriers also offer digital ID cards in their apps.
Have questions about your policy?
Talk to a licensed agent who knows your file. We'll review your coverage, answer questions and find savings where we can.