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Pioneer Insurance Auto Coverages

Pioneer Insurance Auto Coverages
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Click here or call (810) 653-2602 to request an auto insurance quote

Liability Coverages

Michigan law requires owners and operators of cars and trucks licensed for road use to carry these specific mandatory coverages. This is commonly referred to as No-Fault Auto Insurance.

Bodily Injury Coverage (BI)

• Limits: You select

• Pays for: Bodily injury to others

Property Protection Insurance Coverage (PPI)

• Limits: $1,000,000

• Pays for: Damage to others’ property Inside Michigan Only

Property Damage Coverage (PD)

• Limits: You select

• Pays for: Damage to others’ property Outside Michigan Only

Personal Injury Protection Coverage (PIP)

• Limits: Unlimited Medical

• Pays for:

- Bodily injury to you, resident family members and in certain circumstances non-family/ non-resident passengers of your vehicle

- Medical Expenses (reasonable and necessary)

- Funeral Expenses*

- Work Loss Benefits*

- Survivors Loss Benefits*

- Replacement Services*

* Subject to specific limits

Collision Coverage

It provides coverage for your vehicle if it is damaged due to a collision with another vehicle or object.

There are three options for Collision Coverage:

Broad Form

• Covers vehicle repairs: Regardless of fault

Deductible: Only if you are at fault

Standard Collision

• Covers vehicle repairs: Regardless of fault

Deductible: Always

Limited Collision

Covers vehicle repairs: Only if you are not at fault

Deductible: None

Comprehensive Coverage

(Other than Collision Coverage) Covers damages to your vehicle caused by risks such as:

- Theft of your vehicle

- Vandalism

- Impact with an animal

- Fire or water

- Flying/falling objects

- Glass damage

This coverage is subject to your deductible

Optional Liability Coverages

Uninsured Motorist Coverage (UM)

• Limits: You select

• Pays for: Bodily injury to you if you are involved in an accident with a liable uninsured motorist.

Underinsured Motorist Coverage (UIM)

• Limits: You select

• Pays for: Bodily injury to you if you are involved in an accident with a liable motorist without enough Bodily Injury Coverage.

Limited Property Damage (Mini Tort)

• Limits: $1,000 per vehicle

• Coverage: Only if you are at fault and the damage to the other driver’s vehicle is not covered by their own policy

• Pays for: Damage to another driver’s vehicle for which you become legally responsible because of an auto accident occurring in Michigan.

This brochure is intended to be a broad summary of the insurance coverages provided by a Personal Auto Policy. The information here is subject to policy terms and exclusions and does not replace your policy language. Read your full policy carefully and ask your Independent Insurance Agent if you have specific questions.

Other Industries and products we specialize in at The Fulcher Group:

Manufacturing Insurance

Preschool & Daycare Center insurance

Automotive Manufacturing Insurance

Tool & Die Shop Insurance

Staffing Agency Insurance

Food and Agriculture Insurance

Freshwater Technology and Services Insurance

Non-Profit Insurance

Cannabis Facility Insurance

Investment Properties – Commercial landlord Insurance

Habitational/Hospitality Insurance

Medical Malpractice Insurance

Elementary and Secondary (K-12) School Insurance

Home Insurance

Condo Insurance

Renters Insurance

Motorcycle Insurance

Watercraft Insurance

Umbrella Insurance

Small Business Insurance

The Fulcher Group offers Pioneer Insurance in Davison, Burton, Flint, Fenton, Beecher, Flushing, Grand Blanc, Goodrich, Swartz Creek, Linden, Mount Morris, Clio, Argentine, Otisville, Lapeer, Genesee, Michigan, and surrounding areas.

329 N State Rd, Davison, MI 48423

(810) 653-2602

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