Liability
Covers injuries to other people when you’re at fault.
What is Bodily Injury Liability?
Covers medical bills, lost wages, and rehab regardless of fault.
What is Personal Injury Protection (PIP)?
This feature reduces your deductible a little each policy period as long as you don’t file a claim.
What is Declining Deductible?
Covers damage to your vehicle from non‑collision events like hail, theft, fire, vandalism, or falling objects.
What is Comprehensive coverage.
Many customers ask for this type of insurance, even though it isn’t an actual insurance coverage or policy term.
What is Full Coverage?
Pays for damage you cause to someone else’s property, like cars or fences.
What is Property Damage Liability?
Covers medical expenses only, for you and passengers, regardless of fault.
What is Medical Payments (MedPay)?
This option caps windshield replacement at $100 and chip repair at $0, preventing large out‑of‑pocket costs.
What is Glass Deductible Buyback?
Pays for damage to your vehicle when you hit another car or object, regardless of fault.
What is Collision coverage.
Instead of lowering your premium, this optional feature gradually reduces what you pay out of pocket if you have a covered claim.
What is Declining Deductible?
Protects you when the at‑fault driver has no insurance or not enough.
What is Uninsured/Underinsured Motorist coverage?
Preserves full rights to pursue pain and suffering damages even for minor injuries.
What is Full Tort?
This coverage provides a fixed daily allowance for transportation when your vehicle is disabled after a covered loss.
What is Loss of Use (K Coverage)?
Caps windshield replacement at $100 and chip repair at $0, preventing large out‑of‑pocket costs. Answer: What is Glass Deductible Buyback.
What is Glass Deductible Buyback.
This coverage pays for towing, jump starts, lockout assistance, tire changes, and fuel delivery.
What is Roadside Assistance?
Limits your ability to pursue pain and suffering unless injuries meet a legal threshold.
What is Limited Tort?
Michigan’s limited vehicle-damage lawsuit option, capped at $3,000.
What is Mini Tort?
This coverage helps pay transportation costs like taxis, rideshare, or train fare if your vehicle becomes disabled while you’re away from home.
What is Rental Travel Expense?
Provides a fixed daily allowance for transportation while your vehicle is being repaired after a covered loss.
What is Loss of Use (K Coverage).
This optional coverage helps pay for a rental vehicle while your covered vehicle is being repaired after a covered claim.
What is Rental Reimbursement?
Allows certain coverage limits to combine across multiple vehicles.
What is Stacked Coverage?
This tort option restricts your ability to recover pain and suffering damages unless the injury meets the legal definition of “serious.”
What is Limited Tort?
This endorsement protects drivers during the “app-on, waiting-for-a-job” period for rideshare or food delivery work.
What is the Rideshare & Food Delivery Endorsement?
Helps pay the difference between a totaled vehicle’s actual cash value and the remaining loan or lease balance.
What is Loan/Lease Payoff coverage.
This optional feature helps prevent your premium from increasing after your first at-fault accident if you qualify.
What is Accident Forgiveness?