Auto Policies

Question 1

What are excluded in a OTC (Comprehensive) Coverage?

Answer 1

Car used as livery
Wear and Tear
Freezing
Equipment Breakdown
Road Damage to Tires
Nuclear Hazard
Electronic Equipment (unless permanently installed)
Tapes, Records, Disks
Government Confiscation or Destruction
Trailer, camper, or motor home if it's not shown on Dec.
Radar Equipment
Custom Furnishings
Non-owned Auto used in auto business
Racing

Question 2

What are the Michigan State Auto Minimums for Bodily Injury and Property Damage?

Answer 2

Min
50/100/10

Default
250/500/10

Question 3

What are the Michigan State Choices for Personal Injury Protection (PIP)?

Answer 3

1. Unlimited
2. $500,000
3. $250,000
4. $250,000 with PIP exclusions (insured must have health insurance covering auto accidents other than Medicare)
5. $50,000 (insured must have medicaid and other household members have health care)
6. PIP Medical Opt Out (insured must have Medicare Part A and B, and other household members have health care)

Question 4

How much bail bond would an Auto Policy cover?

Answer 4

$250 as long as the accident resulted in a covered bodily injury or property damage claim.