How Often Do Snowmobile Accidents Occur?
Those in cold climates, such as in Michigan, tend to own snowmobiles or perhaps rent them from time to time. Riding a snowmobile can be a fun recreational activity. Not many people think about the dangers of snowmobiles, but they can be involved in crashes just like cars and trucks….
Continue ReadingShould I Get Insurance With My Rental Car?
Our Milan insurance agents explain how to ensure you are protected when renting a car. People in Milan rent cars for various reasons. Perhaps theirs is in the shop, they need temporary transportation, or are relying on a rental as part of their vacation or for business reasons. Aside from…
Continue ReadingWhat is the Best Insurance for My Small Business?
Our Milan business insurance agents explain the different types of coverage that help protect small business owners. Owning a small business is a lifetime dream for many people. Unfortunately, unexpected accidents can happen that turn your dream into a nightmare. Injuries that occur on your property, product defects or design…
Continue ReadingDoes Homeowners’ Insurance Go Up if There is Damage From a Storm?
We have homeowners insurance to protect our most cherished asset in the event of damage caused by fire, wind, hail, snow, hurricanes, or tornadoes. However, even if an event happens and we are fully insured, we may hesitate to file a claim. That’s because we all know what happens after…
Continue ReadingHow Do I File a Claim?
Life does not always go as planned. A truck rear-ends you. The power goes out, and your refrigerator defrosts, flooding your kitchen. A wildfire burns down your home. These are all frustrating situations that can impact your life for a long time. They can affect you physically, emotionally, and financially….
Continue ReadingWhat Happens if Someone Hits Me and They Do Not Have Car Insurance?
No-fault auto insurance helps to protect you against uninsured drivers in Michigan. Car accidents in Michigan can cause major property damages and potentially life-threatening personal injuries. They often happen due to the reckless actions of other motorists involved. You have the right to hold them liable for your losses, but…
Continue ReadingWhy are Insurance Rates Going Up?
Adverse weather, higher repair costs, and greater liability risks are behind the increase in homeowner’s insurance rates. Insurance prices have risen dramatically in recent years, particularly regarding homeowners’ policies. If you suffer sticker shock while shopping for coverage or paying your latest bill, you are likely wondering what is driving…
Continue ReadingShould I Have Collision Insurance?
Car accidents are unfortunately common in Michigan, and even a relatively minor crash could result in extensive financial damage. Auto insurance policies protect you against having to pay out-of-pocket for losses that occur as a result. While the state requires all drivers to have a minimum amount of coverage, this…
Continue ReadingIs it Illegal to Not Have Insurance?
Insurance prevents you from suffering financial losses when unexpected events happen. There are policies designed to protect your home, health, business, future needs, and your family in the event of your passing. While having adequate coverage is a smart idea, it is generally not legally required. The exception is automobile…
Continue ReadingWhy are Car Insurance Rates Increasing?
Auto insurance rates have increased 17% to 19% just over the last year due to several factors. According to the U.S. Bureau of Labor Statistics Consumer Price Index, auto insurance rates have increased more than 17% to 19% over the past year. As a result, all drivers across the country,…
Continue ReadingDoes Renters Insurance Increase Annually?
The cost of renters insurance and whether it increases depends upon several factors. Most people who have rented an apartment or a home, or rented out their property to others, have a clause in their rental contract mentioning renters insurance. While it may seem like renters insurance is only necessary…
Continue ReadingWhat Is an Insurance Premium?
If you have an insurance policy, you’ve likely heard the terms premiums, policy limits, and deductibles used frequently enough, but you may also be confused about which is which. And if you are, you should know that you’re not alone. Better understanding the terms related to your insurance helps to…
Continue ReadingHow Long Has it Been Since You Reviewed Your Insurance Coverage?
You purchase and pay for insurance coverage because it helps to protect your assets and yourself in the event of losses. It is not unusual, however, to purchase a plan, make the automatic payments, and pretty much forget about it. Insurance is designed to provide you with peace of mind,…
Continue ReadingWhat is Umbrella Liability Insurance and Why is it Important?
Umbrella liability insurance is a type of insurance coverage that provides additional liability protection beyond the limits of your existing home, auto, or other primary insurance policies. It acts as a safety net, offering an extra layer of financial security in the event of a major claim or lawsuit that…
Continue ReadingAre You Moving this Summer?
If you’re moving to Ann Arbor, Saline, Dexter, Milan, Clinton, Chelsea, or anywhere in Washtenaw County, Michigan, finding the best insurance coverage for your new home and vehicle is essential for protecting your assets and ensuring peace of mind. You want coverage that meets your needs for the best possible…
Continue ReadingShould I Get Renter’s Insurance?
Some landlords require you to have renters insurance, but others do not. If it is not mandatory for your rental home, should you consider purchasing a policy anyway? Absolutely, getting renters insurance is a smart move and offers numerous benefits and protection for tenants. Many people wish they had renter’s…
Continue ReadingWhat is Gap Insurance?
The law requires you to have a minimum amount of auto insurance coverage, though the minimum level is often inadequate to cover you following a serious accident or event. There are other types of insurance coverages that can help ensure you have comprehensive coverage in the event of an incident….
Continue ReadingWhy Do I Keep Getting PIP Forms From My Auto Insurance Carrier Each Year?
Gone are the days when drivers in Michigan were required to purchase unlimited personal injury protection (PIP) coverage for their auto insurance. As of 2020, you have many other coverage levels to choose from, and select drivers can even opt out of PIP coverage altogether. This means you can choose…
Continue ReadingDoes My Home Insurance Cover Floods?
While you might not have too many concerns about floods in Michigan, our state has seen its fair share of flash flooding and severe floods. Any type of flood can quickly damage or destroy property - including your home. This damage can be devastating and costly, as well as dangerous…
Continue ReadingNo-Fault Reform and PIP Medical Options
In 2019, Michigan’s governor signed a new law that reformed the state’s no-fault auto insurance system, making significant changes to personal injury protection (PIP) medical coverage options for drivers. These changes took effect on July 1, 2020, and have since impacted how Michigan drivers can purchase and use PIP medical…
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