Customer Center

After Hours Claim Numbers

To report an auto, home or property insurance claim in the evening or on the weekend, please contact your insurance company claim department at the emergency number listed below:

Auto Owners: 888.252.4626
Frankenmuth: 800.234.4433
Hartford: 800.327.3636
Michigan Millers: 877.858.5361


Auto coverage at a glance…

Does auto insurance sometimes seem like a foreign language?  Don’t let the terminology discourage you. To help you better understand some of the more common auto policy coverages, here are a few of the most used (but least understood) terms and definitions:

Bodily Injury Liability (BI) – Pays for damages that involve bodily injury to others for which you are responsible under the law. 

Property Damage Liability (PD) - Pays for damages to property of others for which you are responsible under the law.

Comprehensive coverage- Pays for loss of or damage to your vehicle from all causes, except collision, subject to your policy deductible.

Collision coverage- Pays for damage to your vehicle that is sustained when you hit something, subject to your policy deductible.

Uninsured Motorist - This coverage allows you to recover bodily injury damages suffered in an accident in which the other party does not have any insurance, but is legally liable.

Underinsured Motorist - This coverage allows you to recover bodily injury damages suffered in an accident in which the other party is legally liable, but does not have adequate liability limits to pay the entire claim.

Green Industries

Auto & Home for mgia members


Get A QuoteMember Insurance Solutions offers professional, friendly service, outstanding coverage options and incredible group rates on automobile insurance. Your Auto-Owner's policy will be tailored to satisfy your individual needs. Coverage is available to all MGIA members, employees, office staff, friends and family. Call Member Insurance Solutions for all your personal insurance needs.

  • group rates available, along with multi-policy discounts; 
  • many other discounts available for safe drivers, students away at school and more;
  • choose from a variety of deductibles and enhanced coverage features;
  • enjoy fast, fair and knowledgeable claim service; and
  • our easy, no-hassle application process will save you time.


Homeowner's insurance is available for residential and seasonal homes, rental dwellings, condominiums and for renters. Save money on your homeowner’s coverage through Member Insurance Solutions.

  • group rates available, along with multi-policy discounts;
  • coverage written for homes of all values;
  • extended dwelling replacement or guaranteed home replacement cost available;
  • replacement cost coverage on contents; and
  • scheduled riders for jewelry, fine arts, collectibles and other valuable items in your home.


Aside from auto and homeowner's programs, Member Insurance Solutions also provides a number of other coverages you may need to fully protect your personal and recreational assets.

  • personal umbrella liability coverage options available up to $5 million;
  • coverage available for RVs, trailers, motorcycles, ATVs and other recreational assets;
  • snowmobile coverage for high performance, touring and utility type snowmobiles;
  • boaters insurance and personal watercraft insurance; and
  • coverage for rental units, mobile homes and antique cars.

Remember, these outstanding programs are available to all MGIA members, employees, office staff, friends and family! You'll enjoy great discounts, professional service and outstanding coverages. Why wait another day?


Care for a quote? Call 800.878.6765 and speak to Jeni Drummond (ext 462) or Beth Jackson (ext 443). If you prefer to request your quote electronically, an online quote form is available by following the link below. Simply complete the questions and click "submit".  We'll contact you with your quote! 

Submit our online quote form: