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Our blogs are intended to provide easy to understand explanations of general insurance topics and a library to reference for answers to common questions, such as “Should I buy insurance for a rental car?” You may conveniently use the search feature to the right to find articles related to your question or topic of interest (hint: type “rental” and among the top results you’ll find our blog answering the question of whether we recommend purchasing insurance for a rental car).
Everything You Need to Know About Michigan auto insurance refunds
Before July 2020, all Michigan auto policies were required to provide unlimited lifetime coverage for medical expenses resulting from a motor vehicle accident. While consumers now can reduce or opt-out of medical coverage on their [...]
Does my auto policy cover the use of my car for Shipt, DoorDash, Uber, or Lyft?
Typically, Michigan personal auto insurance policies do not cover using your automobile for deliveries, such as Shipt or DoorDash, or ride-sharing services such as Uber or Lyft. Within the fine print of most auto policies, [...]
Should I purchase additional insurance when renting a car?
Our clients most frequently ask whether they should purchase additional insurance from a rental company when renting a car. Our recommendation is a resounding yes for the physical damage or loss damage waiver. Admittedly this [...]
Understanding Michigan Auto Insurance Reforms
It’s been over seven months since the State of Michigan enacted significant reforms to auto insurance. The ensuing months have demonstrated many consumers still don’t understand the reforms and the options now available. The primary [...]
Transferring a Title during Coronavirus
During the Coronavirus, I’ve had several clients insist, when purchasing a vehicle, there was no way to get an appointment at a Secretary of State office to complete transferring the title for months. Having [...]
What Is Auto Liability Insurance? | Michigan Auto Insurance
Within a Michigan personal auto insurance policy there may be up to five separate coverage items that comprise liability insurance, consisting of: Bodily Injury Liability Property Damage Liability Property Protection Insurance (PPI) Uninsured Motorist Liability [...]
What happens when my term life insurance policy expires? | Michigan Life Insurance
Term life insurance is the lowest cost type of life insurance policy you can purchase - making it an ideal policy for families needing financial protection during their working years. Since most people prefer to [...]
How do accidents affect Michigan car insurance rates? | Michigan Auto Insurance
Have you ever heard the saying "Past performance is no guarantee of future results"? It's a phrase commonly used in the investment world intended to caution investors that the past performance results of a particular [...]
Is it time to review or update your life insurance? | Michigan Life Insurance
If you have put off reviewing and updating your life insurance now is an opportune time to address this important financial protection for your loved ones. Our premier life insurance company, Illinois Mutual, recently updated [...]
What if my car is totaled? | Michigan Auto Insurance
When is a car totaled? The point of determining when a car is a total loss is going to vary between insurance companies. Generally, you can expect if the damages to your vehicle add up [...]