kalkaska auto insurance

Family Auto Coverage

Mandatory Coverages

(Michigan No-Fault)

Bodily Injury Liability Coverage
This coverage provides protection when a covered driver is legally liable and causes bodily injury to others when driving your car or when driving another car with the permission of the owner. It also protects anyone who is driving your car with your permission.

Property Damage Liability Coverage
(outside of Michigan)
This coverage pays for property damage for which you are legally liable as a result of accidents occurring outside of the state of Michigan.

Property Protection Insurance (in Michigan)
This coverage pays for damage to the property of others resulting from accidents occurring in the state of Michigan without regard to fault, up to a limit of $1,000,000. (Note: this coverage does not include damage to moving, improperly parked, or improperly stopped motor vehicles.)

Personal Injury Protection
This coverage protects you and your resident relatives by paying the following benefits:

Optional Coverages

Uninsured Motorist Coverage
This coverage protects you by paying bodily injury awards that you are legally entitled to recover when an accident involves an uninsured or hit-and-run auto.
Underinsured Motorist Coverage
Some motorists carry only minimal coverage limits on their bodily injury liability insurance. This coverage protects you by paying bodily injury awards that you are legally entitled to recover when the negligent party is insufficiently insured.
Collision Coverage
You may choose one of the following three types of collision coverage to protect the investment in your auto.

Comprehensive Coverage
Provides insurance protection for events other than collision, such as:

Limited Property Damage Liability
(sometimes referred to as “mini-tort”)
In the state of Michigan, you can be held legally liable for up to $500 for damage to other motor vehicles. This coverage provides insurance protection for such circumstances

Emergency Road Service (ERS)
Provides for towing, flat tire change, battery jump-starts, emergency fuel and fuel replacement, and lock-out service. ERS is included on all autos with collision coverage and/or comprehensive coverage. ERS is optional for autos that only carry the Mandatory No-Fault coverages.

More Optional Coverages

Available Discounts and Credits

This summary gives a general description. For all coverages, conditions and exclusions, refer to the policy.

This advertisement contains only a basic outline of the coverages that are available from the Farm Bureau General Insurance Company of Michigan. No coverages are provided by the advertisement and this advertisement is not an insurance contract. All coverages are subject to the exclusions and conditions that are set forth in the particular insurance contract.