INSURING YOUR RIDE Personal Auto Insurance with Pioneer State Mutual

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:
  1. Bodily injury to you, resident family members and in certain circumstances non-family/non-resident passengers of your vehicle
  2. Medical Expenses (reasonable and necessary)
  3. Funeral Expenses*
  4. Work Loss Benefits*
  5. Survivors Loss Benefits*
  6. Replacement Services*

* Subject to specific limits

There are two basic deductibles to choose for your Auto Policy: 1) Collision Deductible and 2) Comprehensive Deductible.

Note: Your deductible is not paid out of pocket, but deducted from the total amount paid for a claim. See Collision and Comprehensive Coverage below for when these apply:

Collision Coverage

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.

Upgrade with the Personal Auto Pioneer Advantage

The Pioneer Advantage Endorsement is an excellent offering of bundled coverages at a significant savings including:

New Car Replacement:

Have you purchased a new car in the past six months? If so, the Personal Auto Advantage can keep that new car smell uninterrupted in the event your vehicle becomes totaled.

If your totaled vehicle was purchased within the past six months and had less than 15,000 miles on it, this coverage will replace it with a new vehicle of the same make, model and equipment.

Trip Interruption:

Have you ever been on a road trip far from home and had the unfortunate event of being in an accident resulting in additional expenses? As a part of the Personal Auto Advantage you will have $100 per day for food and lodging expenses if over 100 miles from home.

The Pioneer Advantage also includes these very beneficial coverages:

  • Rental Gap Coverage
  • Preferred Location Towing
  • Transportation Expense Coverage
  • Personal Property
  • Pet Injury and Accidental Death Coverage

Add the Advantage Endorsement for $25 per six months or $50 per year!

Only Personal Autos with both comprehensive and collision coverages qualify.

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
Check out our mobile app! With it you can pay your bill, report a claim, call for Roadside Assistance, and even access your Proof of Insurance!

Optional Vehicle Coverages

  • Roadside Assistance
  • Rental Gap Coverage
  • Loaner Car Coverage
  • Trip Interruption
  • Personal Property Coverage
  • New Car Replacement
  • Pet Injury and Accidental Death Coverage
  • Preferred Location Towing
  • Transportation Expense Coverage
  • Customized Equipment Coverage

Check out our Mobile App!

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.

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