Blog Posts - Auto insurance
How Your Driving Record Affects Your Auto Insurance Rates
Auto insurance is a necessary cost if you own a vehicle in Michigan, but it can be expensive. In Michigan, the average cost is $879 per year for minimum coverage and $3,161 for full coverage. Insurers often offer discounts to help lower the costs. Having a good driving record can…
Continue ReadingProgressive Insurance Company Presents “Life Lanes: Navigate a Better Life”
Life does not come with an instruction manual. There is a lot to handle. It can be complicated, stressful, and downright scary at times. How do you drive safely? How do you maintain your home? How do you deal with creating a budget, getting married, and other major life events?…
Continue ReadingWhat Does Auto Insurance Cover?
Drive a car? Auto insurance is a requirement in Michigan. The minimum requirements are: $50,000 per person and $100,000 per accident in bodily injury liability. $10,000 per accident in property damage liability. $1 million in property protection insurance (PPI) coverage. While these are the absolute minimum coverages, there are other…
Continue ReadingWhat is Liability Insurance?
When you purchase insurance for your car, home, or business, there are many options to consider. The various types of insurance can protect you in the event of an accident or lawsuit. One type of insurance to consider is liability insurance. Liability insurance is a type of coverage that protects…
Continue ReadingHow 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 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 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 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 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 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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