The Michigan Catastrophic Claims Association (MCCA) Refund
Michigan’s MCCA has advised that refunds from our Auto Insurance No-Fault Reform Law passed in 2019, are on their way to Michigan auto insurance consumers. Because the changes made by…
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Storms Cause Neighborhood Storms
Once again mother nature caused some issues recently in Northern Michigan with storms and high winds that brought trees down on buildings as well as vehicles. When a tree, regardless…
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Divorce And Division of Property
It happens. Relationships sometimes simply don’t work out, and you find yourself moving out of a home and dividing up assets. The insurance in these situations can be complicated for…
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What does ‘Named Peril’ Mean?
I don’t think anyone would argue that insurance jargon is, at times, very confusing. Even after being in this industry writing insurance policies for over 30 years, I at times…
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Michigan Ranked #6 for Dog Bite Claims
Yes, we know that Fido is an adorable pet that ‘wouldn’t hurt anyone’. However, we also know that insurance companies pay millions of dollars each year for dog bite medical,…
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Factors YOU Control That Impact Your Auto Insurance Costs
Auto insurance rates in Michigan continue to rise due to increasing medical costs. We are the only State with UNLIMITED medical coverage on our auto policies, and as medical costs…
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Shipt Drivers in Michigan
So, I took the plunge! About 3 months ago I decided to give Shipt a whirl and see if it was all the hype that my busy professional mom girlfriends…
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Spring Toys can bring Financial Woes
As the snow leaves us here in Northern Michigan, the trails and mud seem to call riders from all over to get out their ATVs and hit the dirt, sand…
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Claims on Vacant Homes Denied
You and your siblings deal with the excruciating decision to place your mother into a long-term care facility as she can no longer take care of herself due to either…
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Why Do Insurance Costs Vary So Much?
“Imagine the shock of hearing a quote $3,000.00 less than what you are paying for your insurance!” We just received a testimonial from this client who was floored at how…
Read MoreShould I Have High Deductibles?
Your home insurance renewal arrives and like most people, you toss it in a drawer or cabinet once you have paid the bill, but you really don’t pay much…
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Forms of Auto Collision Coverage in Michigan
Michigan is somewhat unique when it comes to auto insurance in more ways than our Unlimited Medical benefits. When purchasing collision physical damage protection for your vehicles, you have 3…
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Michigan’s Auto Insurance Reform Defeated
Once again, the attempt to control costs of Michigan Auto Insurance has failed by a 45-63 vote earlier this month. Michigan having the highest auto insurance costs in the nation…
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Does my roommate need Renters Insurance too?
In this day of un-related individuals all living together in a home that just one of them owns, or in an apartment or condo that is leased, renters’ insurance seems…
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How Much Do I Insure My Home For?
You paid $165,000 for your home, but your agent here in Michigan thinks your ‘bargain purchase’ for a seasonal residence should be insured for $208,000. How can that be? We…
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Replacement Cost vs Market Value Issues
You find a major bargain for a rental property in Detroit Michigan and only pay $65,000 for a home, but then after phone calls to 5 different insurance agencies in…
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Claims Reporting – When to Contact Your Agent
You find water in the basement level of your home, or you back your vehicle into your own basketball pole in the driveway; fortunately, your insurance agent is just a…
Read MoreReverse Trick or Treat
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Uber & Lyft have arrived in Traverse City
So, to answer the big insurance question – it’s a flat NO – your standard Michigan auto insurance policy does NOT cover you while you are being a local…
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Michigan Auto – Medical Order of Priority
Michigan is often in the news about our auto insurance being the highest in the Nation. Truth! Why? – Because Michigan is the ONLY State that provides UNLIMITED medical coverage…
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Salvage Autos – Hurricanes, Floods, Collisions
We realize that Northern Michigan isn’t home to many floods or hurricanes, but we find when major storms occur like Hurricane Harvey, Michiganders end up with vehicles that come from…
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What Michiganders can learn from Hurricane Harvey
Our hearts go out to the victims of Hurricane Harvey, especially knowing that 85% of them have no flood insurance. These people face a crushing blow to their personal finances…
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You wrecked “Brad” and you want a new “Brad”
Yes, we realize that the Liberty Mutual television ad about wrecking a just purchased vehicle (she calls Brad), and not being able to purchase another one with the insurance proceeds,…
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College Kids – To Be… or Not to Be… On Their Own
Your 19-year-old son is away at college, is listed as a ‘driver’ on your auto policy and is using a vehicle that you; their parent – owns and insures.…
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Teen Driver Safety Tips
Drivers education courses provide our teens with enough knowledge and hands on experience to get their license, but that’s about it. I realized this as I watched my 16-year-old taking…
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Renters Insurance – Worth the cost of 2 Ristretto Venti Chocolate Brownie Iced Drinks?
Not only are kids moving back into their parents’ homes, now they are bringing their significant other and many times, other unrelated minor children with them. Today’s home can have…
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Client Relationships
Today I got the news that a long term client of mine passed away over the weekend. Every business owner gets these calls, and we empathize over the phone with…
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Why is Local Important?
Yes Amazon is quick, convenient, and all too easy to use. My 16-year-old doesn’t understand why I prefer to purchase what I can here locally in Traverse City. Just today…
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Cover Yourself with an Umbrella
An Umbrella Liability policy is a ‘separate’ policy that provides clients with an additional ‘layer’ of liability protection. The policy is placed ‘on top of’ your other insurance policies; hence…
Read MoreHow I found passion in – of all things – an insurance career
In 1988 with just a high school diploma for credentials, I answered a newspaper ad for a receptionist at a local insurance agency. My long term goal: To work with…
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