Frankenmuth Insurance would like to announce changes to our Personal Auto product that not only bring it more up to date with recent state statutes, but also incorporate feedback we’ve received from you, our agency partners.

Beginning May 1, 2018, changes will take effect on the following Personal Auto forms and rules:

Forms 

The Personal Auto Amendatory endorsement, Form 01525:

• Part A – Personal Injury Protection Coverage and Part B – Property Protection Insurance Coverage sections — Michigan Statute was recently revised to exclude Personal Injury Protection and Property Protection Insurance Coverage while operating a vehicle if logged into a Transportation Network Company.  
  Summary of change: Based on this change, exclusions have been added, which means that the insured will no longer have PIP or PPI coverage if they have a loss while logged into a transportation network platform.

• Part C – Residual Liability Coverage section — The Step-Down provision under the Exclusion section limiting Residual Liability to the Michigan Financial Responsibility Laws for family member losses have been removed.  
  Summary of change: By removing this provision, the policy liability limit as stated on the Declaration would apply in these cases.

• Part F – Coverage For Damage To Your Auto Coverage section — We have updated the verbiage referring to the definitions of Collision and Other Than Collision. In addition, the Other Than Collision perils shown in the endorsement now include lightning and rodent.   
  Summary of change: The intent of the coverages has not changed; we’ve simply clarified the wording. For covered perils, this is not a complete listing but instead provides a list of the most common losses.  

Please note that policyholders will receive either FM-1992 (annual policy) or FM-1993 (semi-annual policy) to explain the changes to their policy.

Rules 

• Vehicle Eligibility – We have updated this rule to state that a vehicle with a salvage title is ineligible for coverage if it has not been titled as “rebuilt” salvage.

If you have any questions about the latest revisions, please contact your underwriter or field manager.