Vehicle and property damage you cause outside Michigan.
The physical damage choices
Coverage
One-line truth
Comprehensive
Deer, theft, glass, hail, fire, that falling limb — everything that isn't a collision. Northern Michigan translation: deer.
Broad collision
Your deductible is waived when you're 50% or less at fault. What we quote by default.
Standard collision
Deductible applies no matter what. Cheaper, and you feel it after the not-your-fault crash.
Limited collision
Pays only when you're not substantially at fault. Cheapest way to keep some protection on an aging vehicle.
Strongly recommended
Coverage
One-line truth
Uninsured/underinsured motorist (UM/UIM)
Your injury protection when the at-fault driver carried nothing or the minimums — in Michigan, that's not rare.
Mini-tort (LPD)
Pays the up-to-$3,000 the other driver can legally collect from you. Costs a rounding error.
Situational, worth pricing
Coverage
One-line truth
Roadside service
Tows, jumps, lockouts. Cheap; earns its keep the first February it's used.
Rental reimbursement
A car while yours is in the shop — the coverage people wish they'd bought during a three-week parts delay.
Loan/lease gap
Pays the difference between what you owe and what the totaled car was worth. Financed or leased? Yes.
Full glass
Zero-deductible windshields — gravel-road country makes this pay for itself.
OEM parts / equipment endorsements
Factory parts in repairs; extra limits for toppers, plows, and upfits.
How we use this list: every quote we deliver walks it, marking each line yes/no with a reason — so what you decline is a decision, not an oversight. That paper trail protects you and us.