Auto-Owners Insurance Insurance Claims in Michigan

Michigan Insurance Law Overview

Michigan DIFS oversees one of the most complex auto insurance markets due to its unique no-fault system. The 2019 reform allowed drivers to choose PIP coverage levels for the first time, significantly changing the insurance landscape.

Key Michigan Regulations Affecting Your Auto-Owners Insurance Claim

• Modified comparative fault — barred at 51% or more fault
• 3-year statute of limitations for personal injury and property damage
• No-fault PIP state with reformed PIP benefits (2019 reform)
• Mandatory auto insurance with choice of PIP coverage levels

How a Claim Offer Is Usually Built

This is the general process most auto insurers follow, not a description of Auto-Owners Insurance's internal practices. Your policy and Michigan rules decide the details.

• An adjuster usually reviews the damage, the police report and your policy, then writes an estimate or valuation. The first figure from Auto-Owners Insurance is an offer, not a final ruling.
• A repair estimate may be written with aftermarket or used parts if your policy allows it. You can ask which parts the estimate assumes.
• A total-loss offer is often based on a valuation report built from comparable vehicles, and mileage, options and condition adjustments can move the number a lot.
• Damage found once repairs start is usually handled as a supplement that the shop sends to the insurer for approval.
• Diminished value, rental and other costs may not be offered unless you ask. What is covered depends on your state, your policy and who was at fault.
• You may be asked for a recorded statement. If you are claiming against another driver's insurer, you can usually ask to answer questions in writing instead.

Tips for Auto-Owners Insurance Claimants in Michigan

1. Ask Auto-Owners Insurance in writing for the estimate or valuation report behind any offer.
2. Get your own written repair estimate from a shop you choose.
3. Follow up every phone call with a short email that sums up what was said.
4. For a total loss, gather comparable listings from your area and check the options and condition rating in the insurer's report.
5. Read your policy for an appraisal clause and any deadlines before you rely on it.
6. If you can't resolve a dispute, your state's department of insurance takes consumer complaints, and a local attorney can explain your options.

What to Ask Auto-Owners Insurance for in Writing

• Your claim number and your Auto-Owners Insurance adjuster's name, direct phone number and email
• The full estimate or valuation report behind the offer, with every line item or comparable vehicle
• The exact policy language behind any denial or reduction
• A line-by-line settlement breakdown: value, taxes, fees, deductible and any other deductions
• The section of your policy that covers appraisal or disputes over the amount of loss
• The deadlines that apply to your claim and to any reply you send