Commercial Auto

Commercial Auto Insurance provides coverage for your business owned, leased or hired vehicles, including trucks and trailers.

We offer several different kinds of coverages and options, including non-owned vehicle liability insurance. Fleet discounts available for five or more vehicles.


Underinsured Motorists Coverage

Provides coverage for your medical expenses, lost wages, and other damages if you or your passengers are injured in an accident caused by a driver who has insufficient insurance coverage. This coverage typically pays the difference between your coverage and the other driver’s bodily injury coverage. Note that, Michigan’s No-fault law prohibits collecting from the ‘at fault’ party unless you or your passengers suffer permanent impairment, serious disfigurement or death.


Mini-Tort Liability

This coverage may give you limited property damage coverage up to $1,000 to cover your legal liability in the event of damage to another person’s vehicle that does not carry collision coverage, or has a high deductible.


Comprehensive Coverage

Pays for loss or physical damage to your insured vehicle other than by collision or upset. Some of the covered perils are fire, theft, windstorm, glass breakage, animals and floods.


Collision Coverage

Pays for the repairs or replacement of your insured vehicle in the event of an accident resulting from a collision, no matter who caused the accident. Collision coverage may require a payment of a deductible if driver is determined to be at fault.

Collision Types:

  • Broad: Company pays regardless of fault. Insured must pay the deductible if more than 50% at-fault.
  • Regular: Company pays regardless of fault. Insured must pay the deductible.
  • Limited: Company pays when the driver is less than 50% at-fault. Insured must pay the deductible.

Additional Coverages

Road Service

Provides emergency road service (towing and/or labor), at a fixed amount, if your vehicle breaks down or is disabled in an accident.

Rental Reimbursement

Pays for your rental car expenses if your vehicle is damaged or stolen.

Loan/Lease Coverage

Comprehensive and collision coverage may be extended to provide coverage for the unpaid balance of a lease or loan.

Audio, Visual and Data Equipment Coverage

Provides coverage for electronic equipment installed in your vehicle, audio media and other sound reproducing equipment as scheduled on your policy.

Hired & Non-Owned Auto Liability

Provides coverage if your company should become liable due to an accident of one of your employees while he or she is on company business in a personal or rented vehicle.



Lake Michigan Insurance Agency is owned by Lake Michigan Credit Union.

The information contained herein is provided solely for general informational purposes and is not intended to be a contract, a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described.

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