Frequently Asked QuestionsClaimsHow do I report a claim?Please call your agent. Your agent is best equipped to advise you and explain the claim process. You can also notify us of a loss by clicking Make a Claim and completing the notification form. To look up your agent’s phone number, click here.
What should I do if I have an extreme emergency claim situation?First, protect your property as best you can from further damage. Then contact your agent. If you have an extreme emergency claim situation on a weekend or a weekday after 4:30p.m. (Eastern Time), and your agent is not available, you may call us directly for help:
Please have your policy in front of you to help answer questions. You will then be provided with another contact phone number for a Wolverine Mutual claim adjuster.
Do I need a police report?Yes, if you are in a car, boat or motorcycle accident or there has been a theft or potentially unlawful damage to your property, it is recommended that you have a police report.
What if I need my car towed?If you carry road service on your vehicle you will be reimbursed the amount of coverage you have elected.
Is there a list of preferred repair or construction places?No. Wolverine Mutual won't steer you to a specific body shop or contractor - you choose who provides your repair or construction service. Policy QuotesHow do I get a quote for a new policy?Click on Get a Quote and complete the form. Your request for a quote will be sent to the agent you select. You can also contact a Wolverine Mutual agent and they will provide you with a quote.
Why should I buy insurance from Wolverine Mutual?Wolverine Mutual is a financially strong company that is prepared to handle your short- and long-term protection needs. Since 1917 we have provided our policyholders with the insurance coverage that ensures you will hear “it’s covered” when something happens to the people and things you value. You will work with a local independent insurance agent. No one will work harder for your financial security. You will get sound advice on what coverage you need and what coverage you don’t need. Since there are no one-size-fits-all insurance solutions, we will work closely with your agent to tailor a policy that adequately protects you. And we will give you a competitively priced quote so you can get the most value for your insurance dollar. Our quick response to claims and renowned service are why year after year our customers renew their policies with us. We would be honored to take excellent care of your insurance needs, too.
How can Wolverine Mutual help me save money on my insurance?Wolverine Mutual offers many discounts on its policies that will help you save money. For example, if you insure both your home and auto with us, you can receive a significant discount on both policies. You can get similar multi-policy discounts when you insure your watercraft or motorcycle and home with us. You may qualify for other discounts based on your age, location, driving record, age of your home, credit score, etc. Increasing your deductible is an easy way to reduce your premium, too. Your agent will work with you to get the lowest premium rate possible for the coverage you need. PaymentsWhat billing options are available?There are several plans available to you so you can find a payment plan that best fits your budget:
What forms of payment do you accept?You may mail your payment in the blue remittance envelope, phone in a credit card payment, set up a recurring payment plan or drop off payment at your agent’s office. We accept check, credit card, debit card or Electronic Funds Transfer (EFT) for most policies. For more in-depth information, please visit our billing options page.
What telephone number should I use to make a premium payment?You may call the accounting department at the following numbers; please have your credit or debit card number available. Phone: (269) 782-3451, option 3
May I pay by phone using a checking account routing number?No, that payment method is not available at this time.
What credit or debit cards do you accept?We accept Visa, MasterCard, Discover and American Express.
May I combine more than one policy into a single billing plan?No, that is not available at this time.
May I change my billing plan at any time?Yes, however when you receive your bill you must pay it using the plan in place. For example, if you are on a bi-monthly check plan and want to switch to Electronic Fund Transfer (EFT), you can complete our EFT/Credit Card Authorization form and submit it directly to us or to your agent. However, you will need to pay your current premium bill with a check. Your EFT payment plan will go into effect with the next billing.
What fees will I pay?
Why do I pay a MCCA fee in Michigan?Michigan auto and motorcycle insurance companies are assessed an annual fee to fund the Michigan Catastrophic Claims Association (MCAA). The Michigan Legislature formed this non-profit, unincorporated association in 1978 as part of the State’s unique No-Fault insurance law. The MCAA provides unlimited lifetime coverage for medical expenses incurred in severe personal injury cases. This fee is adjusted each July based on the MCAA’s profit/loss evaluation. This fee is absorbed in your premiums.
Is paying by credit or debit card or EFT secure?Yes. Wolverine Mutual protects your bank and credit/debit card information for recurring payment plans. The information is encrypted into our system and no one has access to it. We protect your banking and credit card information to remain in compliance with banking standards.
Who do I contact to discuss payment options, billing questions or payment status?You may contact our accounting department Monday-Friday, 8 a.m. to 4:30 p.m. (Michigan time):
Or contact us any time via our contact form, or email our accounting team directly: This e-mail address is being protected from spambots. You need JavaScript enabled to view it |
Quick Response
Need a quote on a new policy?
Your local Wolverine Mutual independent insurance agent will respond quickly to your request. Unlike discount insurance agents that limit your choices or force you to settle for an insurance package that’s “close” to the coverage you want, your Wolverine agent will listen to your actual needs. You’ll learn what are state-mandated coverages and get advice on which optional coverages best suit your circumstances. Your agent will show you what discounts you qualify for so you can save on your premiums year after year. And you’ll learn what payment plan works with your budget.
