Citizen’s Insurance of Michigan is launching a new platinum program, effective November 1, that features full automotive glass coverage at a zero deductible for customers who agree to use its preferred auto glass companies, including Safelite AutoGlass, according to a company spokesperson. If a customer with this same policy decides to go to an independent auto glass shop for a replacement outside the preferred network, the deductible increases to $100, according to reports from glassBYTEs readers.
Safelite Solutions serves as the third-party administrator for Citizen’s Insurance.
“We do waive the glass deductible for platinum customers if they use any of our preferred glass providers,” says Mike Buckley, a spokesperson for Hanover, parent company to Citizen’s Insurance.
“This is true,” says an insurance agent who wished to remain unidentified for fear of retribution. “Citizen’s platinum program has full glass coverage—a zero deductible if you use [a preferred provider like] Safelite AutoGlass, otherwise it is a $100 deductible if you use another glass shop.”
The agent explains that the platinum coverage is a package deal, which must cover both home and auto.
“This new Citizen’s package is not available until November 1 for new business, but we are able to quote the package today,” says the agent.
“Citizen’s Insurance of Michigan is a big player in the Michigan market,” says David Zoldowski of Auto One in Brighton, Mich. “We just found out about this. You would think this is illegal.”
Safelite’s public relations manager declined to comment saying it is against the company’s policy.