Michigan Car Insurance

Is My Car Insured For Shipt Deliveries?

February 20, 2024

Yes and No. Shipt provides some insurance, but here we will discuss the insurance you need to have for your own protection.   Personal auto insurance policies were created to provide…

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Rental Car Insurance Coverage

Do I Need to Buy Rental Car Insurance On Vacation?

December 7, 2023

This is one of the most frequent questions we are asked, and the answer is, it depends. Michigan auto policies provide coverage for a ‘temporary replacement vehicle’, and that coverage…

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Rising Insurance Costs in Michigan 2023

Major Inflation Impacting Your Insurance Rates

June 22, 2023

Opening your insurance renewal to see it went up 25%, 50% or even 100%? These steep increases have hit many other states in 2023 and are now being seen in…

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Michigan Car Insurance Premiums

Why Michigan’s Auto Insurance Fees Are Increasing

April 18, 2023

  We were all thrilled to receive a $400 refund check per insured vehicle last summer, however Michigan’s Catastrophic Claims Association (MCCA), will soon be taking some of that back…

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Michigan Uninsured Motorist Coverage

Do I Need Michigan Uninsured Motorist Coverage?

February 16, 2023

We are seeing an increase in Michigan auto policies where protection against Uninsured Motorist liability has been purchased at the lowest limits available, and protection against Underinsured Motorist has not…

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Lyft Insurance Michigan

Lyft Car Insurance In Michigan-What You Need To Know

February 2, 2023

Yes, if you are working for either Lyft services, you need to have additional insurance that covers you while using your vehicle for business. And Yes, Lyft provides some insurance,…

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Cheap Michigan Car Insurance

Should My Truck or Car Be Insured on a Business Auto Policy?

July 12, 2022

Knowing when to insure your vehicle on a business or personal auto policy can have some major coverage issues if done incorrectly. In fact, if you insure a commercially used…

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Best Homeowners Insurance

The Michigan Catastrophic Claims Association (MCCA) Refund

March 10, 2022

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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Personal Liability Insurance Coverage

Michigan Auto Reform Paperwork

April 8, 2021

Yes, you DID just fill out a bunch of paperwork a few months ago for your auto insurance renewal, and it is time to do it again! When the Michigan…

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Business Automobile Liability Insurance

Do I Have to Purchase Snowplow Insurance Coverage?

December 7, 2020

  As we watch the colorful leaves fall to the ground, and the daylight hours become shorter, we know that snow is soon to follow; and as a Northern Michigan…

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Michigan No Fault Auto Insurance

Michigan No Fault Reform Law: What Does it Mean For You?

February 20, 2020

  Last summer, I wrote about the Michigan No Fault Auto Insurance Reform law right after it had been signed into effect. Since then, insurance agencies throughout the state have…

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Chargeable Accidents

Chargeable Accidents

October 9, 2019

You swerve to miss a deer and end up in the ditch causing damage to your vehicle from the impact; or perhaps you pull off the side of the road…

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Business Automobile Liability Insurance

Full Coverage Auto Insurance

July 18, 2019

One of the most common requests we receive as insurance agents from clients seeking auto insurance, is a quote for ‘full coverage’.  What does that even mean?  I have been…

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Michigan Auto Insurance

Michigan Auto Insurance Reform

June 18, 2019

The news has been busy recently with photos of Gov. Gretchen Whitmer on Mackinac Island signing into law the long-awaited and strongly controversial auto insurance reform bill that will drastically…

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Professional Insurance Agency

Factors YOU Control That Impact Your Auto Insurance Costs

April 19, 2018

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 Grocery Driver Insurance

Shipt Drivers in Michigan

April 14, 2018

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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Michigan Auto Insurance Company

Forms of Auto Collision Coverage in Michigan

December 18, 2017

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

Michigan’s Auto Insurance Reform Defeated

December 11, 2017

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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Traverse City D&O Liability Insurance

Uber & Lyft have arrived in Traverse City

October 28, 2017

  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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Business Automobile Liability Insurance

Michigan Auto – Medical Order of Priority

October 11, 2017

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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Business Automobile Liability Insurance

Salvage Autos – Hurricanes, Floods, Collisions

October 6, 2017

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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Professional Insurance Agency

You wrecked “Brad” and you want a new “Brad”

September 12, 2017

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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Professional Insurance Company MI

College Kids – To Be… or Not to Be… On Their Own

September 7, 2017

  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

Teen Driver Safety Tips

August 30, 2017

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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