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Thank you for allowing us to examine your insurance needs and propose the most affordable and reliable carriers and coverage to meet those needs. The information you give us on the form will never be used for any purpose other than preparation of the proposal.

Depending on the complexities of your situation, it takes time to develop the best solution possible. We will contact you via your preferred method to confirm we are working on your proposal, and in some cases to get additional information.

1. Applicants

***Applicants for Motor Vehicle Insurance MUST hold a valid Driver's License.


Even though only one applicant is required to get a proposal, you may add a co-applicant's name and information by clicking the green button at the right.

2. Additional Drivers
Add an additional driver by clicking the green button at right, if you have none, skip this section of the form.
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3. Vehicles

General Information about Motor Vehicle Insurance

Michigan has one of the most comprehensive no-fault auto insurance systems in the United States. There are three basic parts to a Michigan no-fault policy that must be purchased and carried on every vehicle. This basic coverage is referred to by many as public liability and property damage, or PLPD. The 3 parts to the Michigan no-fault policy are: Personal Injury Protection (PIP), Property Protection (PPI) and Residual Bodily Injury and Property Damage Liability (BI/PD). PPI pays up to $1 million for damage you cause to other people's property, such as buildings and fences, but not to other cars unless they were legally parked when you hit them. A basic no-fault policy in Michigan does not pay to repair or replace another car or your own car if it is damaged. Therefore, if you want to have your vehicle covered if it is damaged (by you or another driver) or stolen, you must purchase physical damage coverage of collision and comprehensive.

Comprehensive insurance is also known as “other than collision” insurance or “OTC”. It covers damage done to your vehicle from things other than collisions, such as: vandalism, disasters, theft, fire, impacts with animals, etc. Comprehensive does not cover any damage as a result of a collision.

Add an additional vehicle by clicking the green button at right.
4. Vehicle Insurance History

To save time preparing your proposal, it is useful if the applicant discloses all accidents, traffic citations, license suspensions, damage claims, etc. here. No insurance policies will be issued prior to an exhaustive check of all vehicle, driver, and claims records.

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