Protect yourself from costly surprises

Crunching metal is a terrible sound. But it’s worse to hear from your insurance agent that you do not have adequate auto insurance coverage and that you will have to pay higher out-of-pocket repair, replacement or medical costs. That’s why it’s important not to shortchange your coverage. So when you talk to an independent insurance agent, ask about Wolverine Mutual – and learn how to get the most value for your insurance dollar.

 
 

Automatically get No-Fault protection

In Michigan you must carry No-Fault auto insurance on your vehicle. With No-Fault, you get the following mandatory coverages:

Personal Injury Protection pays for injuries to you, family members and passengers covered by your policy, regardless of who was at fault. It also pays 85% of income loss up to three years as a result of the injuries. And should you or someone in your vehicle die from the injuries, it helps pay for burial and funeral expenses as well as provides financial support for up to three years to surviving dependents.

Property Protection pays for property damage done in Michigan by your vehicle to properly parked vehicles or to stationary properties such as buildings and fences. Maximum limit: $1,000,000 per accident.

Bodily Injury Liability pays for injuries to others for which you or others on your policy are legally liable, including defense costs. Minimum protection: $25,000 per person and $50,000 per accident.

Property Damage Liability pays for any property damage done by your vehicle outside of Michigan for which you are legally liable. It pays for bail bond and certain defense costs, too. Minimum protection: $25,000 per accident.

 

Customize your coverage with these options.

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:

Learn more >

Lower your rates with these money-saving discounts.

You can also cut your annual premium costs by qualifying for these discounts - ask your independent insurance agent for specifics:

Learn more >
 

Why do I pay a MCAA fee? Michigan auto 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 typically absorbed in policyholder premiums.

 

Get excellent value and service for your insurance dollar.

There are definite advantages to working with an independent agent who contracts with Wolverine Mutual. Your agent:

  1. Works locally so you get sound advice on the types of coverage you’ll need in your community.
  2. Represents multiple companies, so he or she can research and evaluate various policy options and help you choose the one that best meets your needs and budget.
  3. Looks out for you by submitting your new policy application and future changes quickly and accurately.
  4. Helps us respond fast and fairly (usually within 24 hours) when you make a claim.

To find an independent insurance agent that can get you the protection you need, click here.

 

 

 

 

Automatically get this protection

In Indiana, you get the following coverages:

Medical Payments Coverage pays for injuries to you, family members and passengers covered by your policy. This includes X-ray, surgical and ambulance costs plus physician, hospital and dental expenses.

Bodily Injury Liability pays for injuries to others for which you or others on your policy are legally liable, including defense costs. Minimum protection: $25,000 per person and $50,000 per accident.

Property Damage Liability pays for any property damage done by your vehicle for which you are legally liable. This includes bail bond and certain defense costs, too.

Minimum protection: $25,000

 

Customize your coverage with these options.

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 protection:

Learn more >

Lower your rates with these money-saving discounts.

You can also cut your annual premium costs by qualifying for these discounts - ask your independent insurance agent for specifics:

Learn more >
 

Get excellent value and service for your insurance dollar.

There are definite advantages to working with an independent agent who contracts with Wolverine Mutual. Your agent:

  1. Works locally so you get sound advice on the types of coverage you’ll need in your community.
  2. Represents multiple companies, so he or she can research and evaluate various policy options and help you choose the one that best meets your needs and budget.
  3. Looks out for you by submitting your new policy application and future changes quickly and accurately.
  4. Helps us respond fast and fairly (usually within 24 hours) when you make a claim.

To find an independent insurance agent that can get you the protection you need, click here.

 

 

 

 

 

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.