MI HB6093

Allows automobile collision insurance to be offered by either the same insurance company providing no-fault coverage (Chapter 31) or by a different insurance company.

Requires insurers to offer applicants two collision coverage options: limited collision coverage (no deductible if operator not substantially at fault) and broad form collision coverage (with deductibles, waived if operator not substantially at fault).

Permits applicants to reject both offered collision coverages or limited collision without deductible, but rejection must be made in writing on a separate form or as part of the application, with written notice of applicant's rights.

Requires insurers to provide written explanation of collision coverage options in understandable language at time of initial application and inform policyholders annually at renewal (or when vehicles are added/deleted) of current coverage status and available options.

Defines "substantially at fault" as a person's action or inaction being more than 50% the cause of an accident, and clarifies "collision damage" excludes losses covered under comprehensive coverage.