Thanks to Michigan’s historic, bipartisan 2019 auto insurance reform law, Michigan drivers will soon receive $400 per-vehicle refunds from their auto insurance companies! The refunds are due to cost savings in the new auto insurance law, which has resulted in a $5 billion surplus in the Michigan Catastrophic Claims Association (MCCA) catastrophic fund. In late…
DetailsParts of the Michigan Auto Insurance Reform Law are already taking effect. One change impacts your current coverage if you have a vehicle titled in your name, but It is used by someone who is not a related to you but lives in your household It is used by someone related to you but who…
DetailsWhat will happen with motorcyclists who are injured in an auto accident after auto reform laws take effect next year in Michigan? According to this article from the Detroit News, the best bet for riders is to make sure you cover yourself, as coverage in the future could be hit-or-miss. Riders in a collision with…
DetailsFall is a beautiful time of year, prompting friends and family to venture outside to enjoy time gathered around a fire. Whether your choice is a grill, bonfire or burn barrel, the primal pull of fire helps people bond as the summer heat begins to wane. Here are a few tips to help you safely…
DetailsWhat type of insurance policy will you need as a senior citizen after the mortgage is paid off, bills are minimal and your life insurance policy remained with your employer after you retired? Would you need a term life insurance product, or would it be more prudent to get a whole life policy to cover…
DetailsYour favorite sports team does not start the season with a goal to lose games. Similarly, businesses should never have the mindset that near-misses and incidents (accidents/injuries) are just part of life and are to be expected. Winning a game and preventing incidents both have a lot in common: They both take effort and commitment,…
DetailsPurchasing life insurance for children has many advantages, and is important in protecting their insurability at a young age. Children’s life insurance is a guarantee of insurability for the child’s ability to purchase life insurance in the future. Key factors to consider are children’s health, hobbies and habits. Protecting against the unforeseen childhood diseases that…
DetailsDo your business operations include employees who drive? If so, their daily job includes sharing the road with other drivers; many of whom are pairing driving with another activity such as texting, eating and drinking, or adjusting the stereo, entertainment or navigation system. According to the National Highway Traffic Safety Administration, 80% of accidents…
DetailsAre there any charities that have a special meaning to you, your family or your friends? Do you ever feel as though you would like to support an organization that makes an impact? Life insurance can be a great way to give back to these institutions to show your support. This charitable contribution can be…
DetailsWe frequently gets calls from customers wondering if their rental vehicle is covered by their auto insurance policy while on vacation. If you have a personal auto policy, it has specific coverage provisions that address whether an accident in a rental vehicle is covered. Let’s look at a common example: You take a…
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