Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy also provides protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with one of our experienced Account Managers to determine the best coverages for you.

Insurance for All Kinds of Vehicles!

Conrad Insurance Agency can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us for more information today!

Limited Collision Coverage

If you purchase this insurance, we will pay for collision damages when the driver of your insured vehicle is no more than 50% of the cause of the accident. You may not have to pay a deductible amount. If the driver of your insured vehicle is more than 50% of the cause of the accident, we will not pay for collision damages.

Collision Coverage

If you purchase this insurance, we will pay collision damages to your insured vehicle, regardless of who is responsible for the accident. You must pay a deductible amount for each accident. See note below.

Broadened Collision Coverage

If you purchase this insurance, we will pay collision damages to your insured vehicle regardless of who is responsible for the accident. However, if the driver of you insured vehicle is more then 50% the cause of the accident, you must pay a deductible amount of each accident.

No Collision Coverage

If you do not purchase any collision insurance, we will not pay collision damages to you vehicle. See note below.

After March 28, 1996, if the driver of another insured vehicle was 50% or more the cause of the accident, you may sue that driver to recover your uninsured collision damages, up to $500. You must bring action against the other driver in small claims court, the conciliation division of the common pleas court of Detroit, or Municipal Court. If the other driver was found to be at least 50% bust less than 100% the cause of accident, the award to you will be reduced by the percentage to which you were the cause of the accident. We are not responsible for filing the suit on your behalf, and the other driver’s insurance company may no be responsible to pay any award to you on the behalf of the other driver.