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…
What 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…
We 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…
If you live in a 100-year floodplain and have a mortgage, you don’t have to wonder if you need flood insurance – it’s required as a condition of your loan. If flood insurance is not required as a condition of your mortgage, you’re not obligated to carry it. However, there are a few things that…
The new boating season is upon us … are you and your boat ready? Imagine sitting on your boat, enjoying the crystal-clear waters and sunny, blue skies. To help ensure that time spent on your watercraft is safe and enjoyable, there are several items to take into consideration when preparing to launch a boat…
Spring is a wonderful time of year. Unfortunately, it can also bring major storm activity in the form of torrential rains, hail, high wind, tornadoes or whatever else Mother Nature wants to throw our way. Being prepared to protect your home and contents is important. Rain, rain, go away… Make sure gutters are clear of…
Well this week, it certainly feels like Spring is close…and that maybe I should think about cleaning and having repairs done on the house. A certificate of insurance is a good thing to request from any type of contractor or repairman who does work on your home. It will provide you with your contractors insurance information, just in case there is damage to your…
The gang gathered for a little holiday fun to see the new Star Wars movie…or should we call this education for the first space insurance policy…
The beauty of the changing seasons is a wonderful sight, but make sure that when those leaves fall you know how to safely clear your lawn! Raking leaves is a family affair in our household…shhhh don’t tell my kids, otherwise they are making other plans for that afternoon. To help keep everyone from being injury free from doing…
One of the scariest events that a family could experience is a fire in the home; I pray that my family and yours never have to experience it. But fires do happen in homes, and the best way to minimize the injury to your family is to be prepared. Here are some tips to escape…