MIC Property and Casualty Insurance Corporation(Michigan); Contacts, Claims, Services, Ratings, Reviews, Cancellations and Renewals

MIC Property and Casualty Insurance Corporation is a big deal in insurance. They give great coverage and services. MIC started with a promise to protect people and businesses. Now, they’re well-known in the industry. Their mission is simple: offer trustworthy and creative insurance that fits the needs of all kinds of people.

MIC Property and Casualty Insurance Corporation

Overview of MIC Property and Casualty Insurance Corporation

MIC Property and Casualty Insurance Corporation (MIC) is a big insurance company. They started in 1980 and are based in Detroit, Michigan.

MIC is part of Motors Insurance Corporation (MIC), one of the biggest insurance companies in the United States. They focus on property and casualty (P&C) insurance, covering a lot of different things for individuals and businesses.

MIC does business in all 50 states and the District of Columbia. They have a bunch of independent agents, more than 1,000 of them, selling their insurance. If you like doing things online, MIC has you covered. They offer online bill pay and policy management.


MIC’s mission is simple – give customers the best insurance experience. They offer lots of products and services at good prices. And they’re all about excellent customer service.

  1. Integrity: MIC is honest, fair, and transparent in everything they do.
  2. Customer Focus: They’re all about giving customers the best service and value.
  3. Teamwork: MIC works together to reach their goals.
  4. Innovation: Always looking for new ways to make their products, services, and processes better.
  5. Financial Responsibility: They manage their money responsibly, ensuring the company’s long-term success.

MIC Property and Casualty Insurance Corporation Contact Details

Contact Information
Phone: 313-656-6600
Address: 500 Woodward Avenue, 14th Floor, Detroit, MI 48226
Website: https://www.insurance.ca.gov/
Email: https://insurance.mo.gov/help/contact.php


Services and Products Offered by MIC Property and Casualty Insurance Corporation

MIC Property and Casualty Insurance Corporation (MIC) gives insurance to people and businesses. They have different types of insurance products such as;

  1. Auto Insurance:
    • MIC has various auto insurance options, covering things like liability, collision, comprehensive, and uninsured/underinsured motorist situations.
  2. Homeowners Insurance:
    • Protect your home and belongings with homeowners insurance from MIC. It covers damages from fire, theft, vandalism, and other dangers.
  3. Business Insurance:
    • For businesses, MIC provides different insurance products, such as property insurance, liability insurance, workers’ compensation insurance, and business interruption insurance.
  4. Life Insurance:
    • MIC offers different life insurance types, including term life insurance, whole life insurance, and universal life insurance.
  5. Health Insurance:
    • MIC has a range of health insurance products, from individual and family health insurance to Medicare supplement insurance.

MIC Property and Casualty Insurance Corporation

Premium Costs

MIC Property and Casualty Insurance Corporation (MIC) determines premium costs based on factors like the type of policy, coverage limits, and the insured’s risk profile. For instance, drivers with a history of accidents or traffic violations might have higher auto insurance premiums.

To help customers estimate their costs, MIC provides tools and resources. For a personalized quote, customers can reach out to an MIC agent.

Payment Options

MIC makes paying easy with various options, including monthly, quarterly, semi-annual, and annual payments. Electronic and automatic payments are also available. Customers can pick the option that suits their budget.

Discounts and Promotional Offers

MIC has discounts and promotions to help customers save money. Common discounts include bundling policies for a multi-policy discount, keeping a clean driving record for a safe driver discount, and saving if you drive fewer miles. Affinity discounts are available for certain organizations, and you can also save with a paperless discount, anti-theft device installation, or auto-pay setup.

Process of Filing Claims with MIC Property and Casualty Insurance Corporation

Filing a claim with MIC Property and Casualty Insurance Corporation (MIC) is easy. These are the steps to follow:

1. Report the Claim:

  • Report the claim ASAP. Call MIC’s customer service, file online, or visit a MIC agent in person.

2. Provide Information:

  • Once reported, MIC will ask for basic details like when, where, and what happened. Tell them about the damage or loss.

3. Submit Documentation:

  • Send in any proof for your claim, like receipts, estimates, or police reports.

4. Assign Adjuster:

  • MIC will assign an adjuster to your claim. They’ll check things out and get in touch to set up an inspection.

5. Review Estimate:

  • After the inspection, the adjuster gives you an estimate for repair costs.

6. Settle Claim:

  • If you’re cool with the estimate, sign a release form. MIC will process your claim and send you the payment.

MIC Property and Casualty Insurance Corporation


MIC Property and Casualty Insurance Corporation (MIC) has earned a positive reputation with a robust financial standing. Being a Demotech A-rated company signifies its stable financial condition, assuring the ability to fulfill claim obligations. Additionally, MIC is a proud member of the National Association of Mutual Insurance Companies (NAMIC) and the Property Casualty Insurers Association of America (PCIAA).

The company has received favorable ratings from independent agencies, showcasing its financial strength. Here are the notable ratings:

  • Demotech: A (Exceptional)
  • A.M. Best: A- (Excellent)
  • Standard & Poor’s: A- (Strong)
  • Moody’s Investors Service: A3 (Stable)


MIC has garnered positive feedback from customers. The Better Business Bureau (BBB), boasts an A+ rating and an impressive 4.5 out of 5-star average customer rating. Consumer Affairs also reflects content customers with a 4.5 out of 5-star average rating.


MIC has maintained a low number of complaints compared to other insurers of its size. According to the National Association of Insurance Commissioners (NAIC), MIC holds a commendable complaint ratio of 0.83, surpassing the industry average of 1.07.


MIC excels in resolving complaints swiftly and fairly. The NAIC notes a high complaint resolution rate of 92%, exceeding the industry average of 85%.

 A summary table of MIC’s ratings, reviews, complaints, and resolutions:
Rating Agency Rating
Demotech A (Exceptional)
A.M. Best A- (Excellent)
Standard & Poor’s A- (Strong)
Moody’s Investors Service A3 (Stable)
Consumer Affairs 4.5 out of 5 stars
NAIC Complaint Ratio 0.83
NAIC Complaint Resolution Rate 92%



You have the power to cancel your MIC Property and Casualty Insurance Corporation (MIC) policy anytime. Just reach out to your MIC agent or call MIC’s customer service. All you need is your policy number and the reason for canceling.

If you cancel before the term ends, you might get some of your premia back. How much you get depends on how long you had the policy and why you’re canceling.


MIC will renew your policy automatically unless you say otherwise. About 60 days before your policy ends, you’ll get a renewal notice in the mail. It tells you the premium for the new term.

If you don’t want to renew, contact your MIC agent or call customer service before the term ends. Don’t worry; you won’t be renewed without your say-so.

Important Notes
  • Policies for canceling and renewing can be different in each state.
  • Before renewing, it’s smart to check your policy coverage and costs.
  • If you have questions, talk to your MIC agent or call MIC’s customer service.

Benefits of Joining MIC Property and Casualty Insurance Corporation

Financial Strength and Stability:

MIC stands strong financially with a Demotech A rating. This means they’re good at paying claims and can handle economic downturns well.

Variety of Products and Services:

MIC offers lots of insurance options for individuals and businesses. They cover auto, home, business, life, and health insurance.

Competitive Rates:

MIC gives competitive rates on their insurance. They look at things like your risk, coverage limits, and driving record to figure out your premium.

Discounts and Promotional Offers:

MIC has discounts and offers to help you save money on your premiums.

Excellent Customer Service:

MIC is known for top-notch customer service. Their agents know their stuff and are always there to answer your questions.

Easy Online Access:

MIC makes things easy online. You can pay bills, manage policies, and file claims on their website.

Commitment to Community:

MIC cares about its local communities. They support charities and events to give back.

MIC is not just about insurance; they’re about making things easy for you and supporting the community

FAQs on MIC Property and Casualty Insurance Corporation

  1. Q: How can I contact MIC or Liberty Surplus for inquiries?
    • A: You can reach out through phone, email, or by visiting a local office. Contact details are available on the official website.
  2. Q: Are there discounts available for long-term policyholders?
    • A: Yes, MIC values loyalty and offers discounts and promotions for its long-term policyholders.
  3. Q: What documents are required when filing an insurance claim with MIC?
    • A: The documentation requirements vary, but typically include a claim form, proof of loss, and relevant supporting documents.
  4. Q: Can I cancel my policy with MIC at any time?
  5. Q: How often can I renew my insurance policy with MIC?
    • A: MIC provides various renewal options, and the frequency depends on the type of policy. Check with your agent for specific details.


MIC Property and Casualty Insurance Corporation offers a holistic approach to insurance. From diverse coverage options to transparent processes, MIC stands as a reliable partner for safeguarding what matters most. Explore the world of MIC and experience insurance that goes beyond expectations.

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