Michigan Options
Customize your coverage with these options.
As you shop for auto insurance you may notice that some companies offer “package” policies at a set premium price. There is seldom any flexibility in what coverages can be added to or subtracted from the package. As a result you may get too little protection (and pay more out of pocket when you file a claim) or you may get too much protection (and pay extra for coverages you will never use).
With Wolverine Mutual, you have the flexibility to choose the coverages that best fit your personal or family needs. Here are ways to customize your No-Fault protection:
| COVERAGE | PROTECTS | PAYS FOR |
| Mini-Tort Property Damage |
You and covered relatives |
Uninsured collision damages up to $500 for other driver’s vehicle if you are more than 50% at fault. |
| Broad Form Collision |
Your insured vehicles(s) |
Damage to your vehicle regardless of fault. We waive the deductible if the driver is not more than 50% at fault. |
| Regular Collision |
Your insured vehicle(s) |
Damage to your vehicle, regardless of fault. Choice of a $400 or $500 deductible. |
| Limited Collision |
Your insured vehicle(s) |
Damage to your vehicle only if the driver is not more than 50% at fault. |
| Other than Collision (Comprehensive) |
Your insured vehicle(s) |
Damage caused by fire, falling objects, earthquake, theft, vandalism, explosion, deer, and other hazards. |
| Uninsured Motorist |
You, covered relatives and passengers |
Bodily injury, sickness and death claims caused by a legally liable uninsured motorist. |
| Underinsured Motorist |
You, covered relatives and passengers |
Bodily injury, sickness and death claims when the negligent individual does not have adequate liability coverage or the damages exceed your personal injury coverage. |
| Road Service |
Your insured vehicle(s) |
Up to the policy limit for towing and labor when your vehicle fails to operate. |
| Loan/Lease |
Your insured vehicle(s) |
The difference in the actual cash value of the loaned or leased automobile at the time of loss and the amount owed on the original loan or lease agreement. Applicable in the event of a total collision or other than collision (comprehensive) loss. |
| Trailer |
Others |
Injuries, sickness, emergency first aid, loss of income and death claims when you are legally liable for one trailer attached to your vehicle causing bodily injury. |
| Others' property |
Property damage done by your trailer when it is attached to your passenger vehicle and you are legally liable. |
| Transportation Expenses |
Your insured vehicle(s) |
Rental of another automobile if your vehicle is disabled more than 24 hours due to a collision or other than collision (comprehensive) loss. |
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