Q: Do I need auto insurance?
A: According to Michigan law anyone who owns or registers a motor vehicle in Michigan must obtain no-fault insurance coverage within 30 days. For any questions regarding no-fault coverage and other optional coverages, please contact an authorized agent.
Q: How much will it cost?
A: Rates vary due to many factors: age, location, year, and prior claims being a few. Companies use all of this information to assess risk, and thus determine the rate for every person accordingly. This creates a customized rate for all customers. If you would like a quote, please feel free to e-mail any of our agents and they will be happy to set up a meeting to determine your specific costs.
Q: Is there any coverage for identity theft?
A: Are you worried about identity theft? There is an optional insurance endorsement that can be added to many homeowners policies. Talk to your agent if you are interested in adding this coverage. Be sure to always protect your identity.
Q: What is the MCCA, and why does it exist?
A: According to the Michigan Office of Financial and Insurance Regulation (OFIR): The Michigan Catastrophic Claims Association (MCCA) is a private, nonprofit association that reimburses no-fault auto insurers for benefits that exceed $460,000, as of July 1, 2009. The MCCA was created by the legislature as a means of spreading costs across all Michigan motorists for providing unlimited personal injury protection benefits. Michigan is the only state that offers these benefits. For more information about the MCCA, the "Consumer's Guide to No-Fault Automobile Insurance in Michigan" brochure is available by visiting the OFIR's website at: www.michigan.gov, or you can request a copy by calling toll free 877-999-6442.
Q: Will Medicare cover the medical costs incurred from an auto accident?
A: Medicare and most of its supplements exclude auto related claims. Check with your medical insurance provider to see if you have the necessary coverage.
Q: Am I covered when I rent a vehicle?
A: Coverage varies with every company, be careful when renting a vehicle because rental coverage can be complicated—check with your agent to see if you have the necessary coverage.
Q: Do you offer discounts?
A: Yes, there are a variety of discounts available which vary from a good driving history to multi-policy discounts. Consult your agent to see for which discounts you qualify.
Q: Do you offer roadside assistance?
A: Many companies offer optional road service coverages. Please ask your agent if you are interested in this coverage.
Q: I rent, should I have insurance?
A: There is a home insurance policy designed for renters, allowing you to protect your personal items. Purchasing tenants insurance is always something to consider when renting. Talk to an agent to get a quote.
Q: How much should I insure my home for?
A: You should insure your home for the amount it would cost to replace it. Please remember, this can be different from the market value of your home. Always consult your agent when you have questions about insurance coverages.
Q: How should I send payment?
A: Most companies have a variety of payment methods. They include: payment by mail, automatic withdrawal, payment by phone and credit cards . You can always stop by the agency and make a payment. Don't forget, some companies even give a discount when you pay the premium in full.