Term

Definition

Uninsured/Underinsured Motorist Coverage:

Will pay if you or a member of your family are injured in an accident, when the other driver if found at fault, and has inadequate coverage or no insurance at all.

Limited Property Damage – Mini-tort:

Will pay up to $500 for damages done to someone else’s vehicle when you are at fault in an accident and they do not have adequate coverage on their vehicle.

What is Collision Coverage:

Covers damages to your vehicle when involved in an accident.

Collision Coverage - Broad Form:

Pays for damages to your vehicle whether or not you are at fault, your deductible will apply if you are at fault

Collision Coverage - Regular:

Pays for damages to your vehicle whether or not you are at fault, your deductible will always apply with this type of collision

Collision Coverage - Limited:

Pays for damages to your vehicle ONLY if you are NOT at fault, deductible will always apply.

What is Comprehensive Coverage:

Covers damage to your vehicle by Fire, Theft, Vandalism, Glass Breakage, Hail, & Deer, your deductible will apply.

Road Service/Towing:

Pays for costs incurred when you need a tow truck or battery jump, subject to your policy limit.

Rental Reimbursement:

Pays for costs of renting a vehicle while yours is being repaired as a result of an accident, subject to your policy limit.


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Contact Us

Hetrick & Associates
300 South Front Street Marquette, MI 49855

Phone: (906) 228-7500
or toll free
1-800-562-9773

Fax: (906) 228-5385
h&a@hetrickins.com
2nd Location

Jennings Insurance
396 US 41
Negaunee, MI 49841

(906) 475-4171
jennings@up.net
Office Hours

8am - 5pm M-F
evenings by appointment

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