• Preferred and standard auto
• High risk auto
• Motorcycle
• Motor homes
• Camping trailers, travel trailers, utility trailers
• Recreational vehicles: all-terrain vehicles, trail bikes, snowmobiles, golf carts, mini bikes, dune buggies, jet skis and wet bikes antique, classic or special-interest cars

For additional information about the auto coverage we can provide, please contact us

Mandatory No Fault Coverage Include

• Bodily Injury Liability
• Property Damage Liability
• PIP Coverage for Medical and Wage Loss
• Property Protection Insurance
• MCCA - Michigan Catastrophic Claims Association

Optional Coverages

• Uninsured Motorist Coverage
• Underinsured Motorist Coverage
• Michigan Limited Property Damage
• Comprehensive Coverage
• Collision Coverage
• Rental Reimbursement
• Towing and Labor
• Lease Gap Coverage
• Special Equiptment Coverage - including sound equiptment

For additional information about the auto coverage we can provide, please contact us

No-fault insurance is required by law in Michigan. Every car owner must buy certain basic coverages in order to register a vehicle in Michigan. It is against the law to drive, or let your car be driven, without no-fault insurance. The basic no-fault policy has three parts:

Personal Injury Protection (PIP)

If you are hurt in an auto accident, this part of your no-fault policy will pay all of your medical costs. It will also pay, up to a maximum amount, for the wages you would have earned if you had not been hurt, for up to three years.

In 2007, the allowed amount under no-fault is $4,589 per month. If you are killed in an accident, your policy will pay your family up to the monthly amount for three years, based on what they would have received from your earnings and fringe benefits. You may also be entitled to up to $20 per day in replacement services. This is to pay for services you are no longer able to provide for yourself or your family because you are injured, such as housekeeping and yard work.

You may coordinate PIP coverage with any health or disability policy you have (except Medicaid, Medicare or a Medicare supplemental policy) to reduce your PIP premium. The health or disability plan then becomes the primary payer for medical or wage loss expenses, and the auto policy would cover remaining medical or wage loss expenses. These auto insurance coverages are also called excess medical and excess wage loss.

Property Protection Insurance (PPI)

No-fault will pay up to $1 million for damage your car does in Michigan to other people's property, such as buildings and fences. It will also pay for damage your car does to other people's properly parked vehicles.

Residual Liability Insurance? -- Bodily Injury and Property Damage (BI/PD)

The no-fault law protects insured persons from being sued as the result of an auto accident except in certain special situations. These are some of the circumstances under which you could be sued:

• If you cause an accident in Michigan in which someone is killed or seriously injured.
• If you are involved in an accident in Michigan with a non-resident who is an occupant of a motor vehicle not registered in Michigan.
• If you are involved in an accident in a state other than Michigan.
• For up to $500 in damages to another person's car, which is not covered by insurance, if you are 50% or more at fault in the accident.

Your required no-fault policy will pay up to your coverage limit amounts if you are sued or are legally responsible for damages in these situations.

The minimum required BI/PD coverage limits are:

• Up to $20,000 for a person who is hurt or killed in an accident.
• Up to $40,000 for each accident if several people are hurt or killed.
• Up to $10,000 for property damage in another state.

These limits are often described as 20/40/10. Courts sometimes award more than these amounts. If this happens, you would be responsible for paying the amount not covered by your policy. To protect themselves, many people buy extra liability insurance.

There are some optional insurance coverages you may wish to consider. State law does not require that these coverages be purchased.

Your no-fault insurance does not pay for repairs to your car if it is damaged in an accident. If your car is properly parked and hit by another car, the other driver's insurance will pay for your repairs.

Except for this situation, the only kinds of auto insurance that pay for repairs to your car are collision and comprehensive coverage. Several of the examples in the guide include these optional coverages.

Collision Insurance

This coverage pays for repairs to your car when it is damaged in a crash. There are three basic kinds of collision insurance to choose from: broad form, standard, and limited.

Collision insurance is usually sold with a deductible. A deductible is the money you agree to pay toward the cost of repairs before the insurance company steps in and pays the rest. The larger the deductible, the lower the cost of your collision insurance.

• Broad Form collision pays for damages regardless of fault, with a deductible that applies only if you are substantially at fault.
• Standard collision pays for damages regardless of fault, with a deductible that always applies.
• Limited collision pays only if you are not substantially at fault, and may or may not have a deductible.

Comprehensive Insurance

This coverage pays for your car if it is stolen or for repairs if it is damaged by a falling object, fire, flood, vandalism, or collision with an animal.

Uninsured Motorists Coverage (UM)

This coverage will pay if an uninsured motorist seriously injures you or a member of your family. Uninsured motorists coverage is usually sold with limits of $20,000 per person and $40,000 per accident (20/40) but can be increased to match increased limits of Bodily Injury Limits. This coverage will not pay for damage to your vehicle.

It is important to shop around to find the lowest premium, but there are other ways to further reduce your cost of auto insurance.

Physical Damage Deductibles

Increasing your deductibles on the physical damage coverage (i.e. comprehensive and collision) can make a significant difference in the cost of your policy.

PIP Deductibles

Even if you don't have other health or disability coverage, many companies offer PIP coverage at a reduced rate if you choose to pay a deductible on the medical or disability benefit. The deductible may be up to $300 for each benefit and would be paid by the policyholder and any other household member covered under the policy. You can choose a deductible on medical coverage only, disability only, or both.

Group Insurance Coverage

Many companies offer group auto insurance coverage at reduced rates to members of qualified groups, organizations, associations and trade or business associations (i.e. AARP, teacher's association, university alumni association). Credit union members and employees of various businesses may also be eligible.

If you are a member of one of these types of groups, ask your Marcum representitve if you qualify for group coverage. More than one insurer may offer reduced rates to your group, so you may want to ask your Marcum representitve to check with several companies.

Coordination with other Health, Disability Coverage

Your personal injury protection (PIP) premium may be reduced if you have other health or disability coverage, through your place of employment for example. Ask your Marcum representitve about the option to coordinate health or disability coverage with your auto insurance PIP coverage. You may coordinate PIP coverage with any other health or disability policy you have (except Medicaid, Medicare or a Medicare supplemental policy) to reduce your PIP premium. When you coordinate coverage, your health/disability policy becomes the primary payer for any personal injury claims related to your auto accident.

Your auto insurance coverage pays for reasonable expenses not covered by the health/disability policy. Coordination of health/disability and auto insurance benefits applies only to the policyholder and family members covered under the policies.

Senior Citizen and Retiree Discounts (Work Loss Waiver)

If you are a senior citizen, aged 65 or older, the law requires a company to offer you a reduced premium if you drive your vehicle less than 3,000 miles per year. A retired person aged 60 or over, who does not have income from work, must also be offered the option to waive coverage for work loss that is paid under the PIP coverage.

A person may waive coverage for himself or herself and an eligible spouse and receive a reduced premium for PIP coverage. Keep in mind that the work loss coverage may not be eliminated completely from the no-fault policy since it still applies to other persons who may be injured in or by the policyholder's vehicle.

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