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Superior Service and Comprehensive Coverage in Michigan!
When you choose RGC Insurance for your auto insurance needs, you’re partnering with a team committed to delivering exceptional service and top-tier coverage. As a trusted insurance agency in Michigan, we pride ourselves on understanding the unique needs of every driver. Our expert agents work diligently to craft policies that perfectly fit your lifestyle and budget. With our comprehensive coverage options, competitive rates, and personalized support, you can drive with confidence knowing you’re well-protected. We’re here to ensure you have the best possible coverage as you navigate the roads of Michigan and beyond. Get your quote today and discover the RGC Insurance advantage!
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WHAT WE DO FOR YOU
We don't do things like other insurance agenices...
1. We shop companies for you |
We take a look at all the carriers we work with now and with every renewal to ensure you have the best rate, always. We save our customers hundreds
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2. We are always checking discounts |
We check discounts at new business, at renewals, even during endorsements. Our people are smart enough to hear what you are saying and turn it into a discount.
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3. We really know our stuff |
A lot of agencies say they know their stuff, but time and time again, we find holes in coverage, and more importantly, solve those holes with affordable coverage
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4. We sell only the best |
We make sure the company you are with is worthy of you. All of our companies have a great rating, but more importantly, they are there to pay the claims and help when you need them to
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5. Trust in us |
We are only as good as our customers think we are, so we do our best every single day to earn that trust and respect, just like we've been doing since 1990 and before.
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HEAR FROM OUR SATISFIED CUSTOMERS
Our commitment to excellent service and comprehensive coverage has earned us the trust of many drivers across Michigan. Here’s what some of them have to say:
Stacie Z.: "I have been with Roscommon Insurance Agency for many years. I have always received prompt and courteous service with all of my questions. Mike Walker always has an answer to every issue and area that I need assistance in. I highly recommend Roscommon Insurance to anyone who still appreciates great personalized service!" Mark C.: "I have always had positive experiences with Coopersville Insurance. They are quick to respond, very detailed, professional, and friendly. The staff knows how to take care of their customers and the communication is great." |
Misty B.: "I have never felt more valued than this group of people have made me feel. I got my quote fast with no hassles and just the environment made me feel well wanted. This is one of the best places around. If you’re looking for value and want to feel valued, this is the place to go." |
Kris W.: "The team at Grayling Insurance went above and beyond, helping me when I was in an accident in Lansing. They initiated calls to the towing company and repair shop, coordinating everything. They made a miserable experience much easier, and I'm grateful for their friendly and compassionate help when I needed it!" Sarah P.: "Always super happy to help and always respond in a timely manner. They are very polite and courteous, and I would recommend them to everyone! Great people!" |
START SAVING WITH AN AUTO INSURANCE QUOTE
NOT READY? |
READ ON TO LEARN MORE ABOUT MICHIGAN CAR INSURANCE AND MAKE EVERY DOLLAR OF YOURS GO AS FAR AS IT CAN
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WHO WE ARE
We've been here... |
Since 1990, doing this same thing: Michigan auto, home, life, business insurance. As a result, we have honed our processes and knowledge to do amazing things for our customers every day.
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We are Independent |
This allows us to work with so many great carriers to find you just the one that will provide you with the best rate and coverage.
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We are a Family |
This is a family owned business. Our co-workers are also our family. This allows us to instill values that are passed on to our customers.
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We are Local |
Our families play and live in the communities we work in. As a result, our dollars, both personal and ad dollars go back into the community. We find no better way to use marketing dollars than on a local team, cause or event.
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We are Professionals |
All of us take this job to heart, making a profession out of it. That means putting in the effort to know our companies, know their coverages, know the insurance business and most importantly, to know our customers
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THE BASICS OF MICHIGAN AUTO INSURANCE
Michigan auto insurance is unique compared to other states in the United States. Michigan has a no-fault auto insurance system with specific requirements and regulations. Here are the basics of Michigan auto insurance:
Please note that Michigan's auto insurance laws underwent significant changes in recent years. To ensure that you have the most current and accurate information, consult the Michigan Department of Insurance and Financial Services or your insurance provider for the latest requirements and regulations. |
OUR RECOMMENDATION: Top Tier
Mandatory Coverages:
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Optional Coverages:
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OUR RECOMMENDATION: Very Tight Budget
Mandatory Coverages:
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Optional Coverages:
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AND HERE'S WHY:
- Liability: Its cheap. For very little added money, you get hundreds of thousands of added protection from being sued personally.
- PIP Medical: Without it, you rely on health insurance. If the health policy ends, so too do your payments for an injury. Last thing you want when you have a lifelong injury is to think you could have just bought the Unlimited Medical coverage
- Mini-Tort: Who wants to go to small claims court? Without it, you definitely could after you are at-fault for an accident
- Un/UnderInsured: You gave the other guy $1million in coverage, why not yourself? Plus, its so cheap
- Comprehensive: If the vehicle is valued at more than $3,000, it's probably worth insuring, but you don't want frivolous little claims killing your insurance score. The higher deductible saves you money now and perhaps later.
- Collision: Ditto
- Roadside Assistance: The coverage tends to cost $30, +/- $10, and a tow if you ever need it, tends to only cost about $125. Go more than 3 years without a tow and you'll have saved more than the tow costs.
- Rental Reimbursement: If you don't have a car rental nearby, how do you even use the coverage? And commonly, the shop doing the repair will have a loaner.
DO YOU REALLY NEED PIP MEDICAL?
READY FOR A QUOTE?
MICHIGAN CAR INSURANCE COVERAGES:
EXPLAINED
*The coverage titles in blue below are the ones our agency considers to be mandatory. We don't quote a policy without them.
State Required Coverages
Bodily Injury
Bodily injury coverage in Michigan is a fundamental component of auto insurance that provides financial protection in case you are at fault in an accident and injure someone else. This coverage is essential to protect your assets and provide for the well-being of others. Here's an explanation of what bodily injury coverage covers, what it does not, available variances, limits, limitations, how to choose an option, and other important information for Michigan consumers:
What Bodily Injury Coverage Covers: Bodily injury coverage typically includes two components:
What Bodily Injury Coverage Does Not Cover: Bodily injury coverage does not cover your own injuries or damage to your own vehicle. It is specifically designed to protect you from financial liability for injuries and damages you may cause to others.
Variations and Limits: Michigan, like many other states, allows drivers to select coverage limits for bodily injury liability. Common variations and limits include:
Choosing a Bodily Injury Coverage Option: When selecting bodily injury coverage in Michigan, consider the following factors:
Important Considerations:
In summary, bodily injury coverage in Michigan is a crucial part of your auto insurance policy, providing protection in the event of an accident where you are at fault. By assessing your financial situation, risk exposure, and budget, you can select the right coverage limits to meet your needs and protect your financial well-being.
What Bodily Injury Coverage Covers: Bodily injury coverage typically includes two components:
- Bodily Injury Liability (BI): This portion covers medical expenses, rehabilitation costs, and sometimes lost wages for individuals injured in an accident for which you are at fault.
- Property Damage Liability (PD): This part covers damage to another person's property, such as their vehicle, in an accident where you are at fault.
What Bodily Injury Coverage Does Not Cover: Bodily injury coverage does not cover your own injuries or damage to your own vehicle. It is specifically designed to protect you from financial liability for injuries and damages you may cause to others.
Variations and Limits: Michigan, like many other states, allows drivers to select coverage limits for bodily injury liability. Common variations and limits include:
- Split Limits: You can choose separate limits for bodily injury liability and property damage liability. For example, you might choose a coverage limit like 50/100/50, where $50,000 is the limit per person for bodily injury, $100,000 is the total limit for all injured parties, and $50,000 is the limit for property damage.
- Combined Single Limit (CSL): Some insurance policies offer a single combined limit for bodily injury and property damage. For instance, a CSL of $300,000 covers both bodily injury and property damage. You would have flexibility in how the coverage applies across these categories.
Choosing a Bodily Injury Coverage Option: When selecting bodily injury coverage in Michigan, consider the following factors:
- State Minimums: Ensure you meet the minimum bodily injury liability requirements in Michigan. As of my last knowledge update in September 2021, the minimum limits were 20/40/10. This means $20,000 per person, $40,000 per accident for bodily injury, and $10,000 for property damage.
- Assets and Financial Situation: Evaluate your assets and financial standing. If your assets exceed your coverage limits, you may be personally responsible for the excess in the event of a claim.
- Risk Exposure: Consider your risk exposure. Factors such as your driving habits, the type of vehicle you drive, and the areas you drive in can influence the likelihood of accidents and the severity of potential injuries or damages.
- Budget: Determine how much you can afford in premiums and select a coverage limit that aligns with your budget.
Important Considerations:
- It's generally a good idea to purchase higher limits than the state minimum if you can afford to do so. This provides better protection for your assets and reduces your personal financial liability in the event of a severe accident.
- Bodily injury coverage is designed to protect you from liability claims, not to pay for your own medical expenses or vehicle repairs. You should consider personal injury protection (PIP) and collision/comprehensive coverage for your own injuries and vehicle damage.
- Keep in mind that your insurance company may provide you with guidance on suitable coverage limits based on your individual circumstances.
In summary, bodily injury coverage in Michigan is a crucial part of your auto insurance policy, providing protection in the event of an accident where you are at fault. By assessing your financial situation, risk exposure, and budget, you can select the right coverage limits to meet your needs and protect your financial well-being.
Property Damage
Property damage coverage in Michigan is a vital component of auto insurance that provides financial protection when you are at fault in an accident and cause damage to someone else's property. This coverage is designed to help you pay for repairs or replacement of the damaged property. Here's an explanation of property damage coverage in Michigan, including what it covers, what it does not, available variances, limits, limitations, how to choose an option, and other important information for consumers:
What Property Damage Coverage Covers: Property damage coverage typically includes:Property Damage Liability (PD): This component of the coverage pays for the repair or replacement of another person's property, primarily their vehicle, when you are at fault in an accident.
What Property Damage Coverage Does Not Cover: Property damage coverage does not cover the following:
Variations and Limits: Michigan, like many other states, allows drivers to choose coverage limits for property damage liability. Common variations and limits include:
Choosing a Property Damage Coverage Option: When selecting property damage coverage in Michigan, consider the following factors:
Important Considerations:
In summary, property damage coverage in Michigan is a fundamental part of your auto insurance policy, offering protection in the event that you're at fault in an accident causing damage to someone else's property. By considering your financial situation, risk exposure, and budget, you can choose the appropriate coverage limits to meet your needs and safeguard your financial well-being.
What Property Damage Coverage Covers: Property damage coverage typically includes:Property Damage Liability (PD): This component of the coverage pays for the repair or replacement of another person's property, primarily their vehicle, when you are at fault in an accident.
What Property Damage Coverage Does Not Cover: Property damage coverage does not cover the following:
- Your Own Vehicle: It does not provide coverage for the repair or replacement of your own vehicle. For your own vehicle, you would need collision or comprehensive coverage.
- Injuries: Property damage coverage does not cover medical expenses, rehabilitation costs, or lost wages for injured parties. For injuries, you would need bodily injury coverage.
Variations and Limits: Michigan, like many other states, allows drivers to choose coverage limits for property damage liability. Common variations and limits include:
- State Minimums: Ensure you meet the minimum property damage liability requirements set by the state. As of my last update in September 2021, the minimum property damage liability limit in Michigan was $10,000.
- Higher Limits: It is often advisable to purchase coverage limits higher than the state minimum, as accidents can result in property damage that exceeds the minimum limits. Many drivers opt for limits of $50,000, $100,000, or more for added financial protection.
Choosing a Property Damage Coverage Option: When selecting property damage coverage in Michigan, consider the following factors:
- State Minimums: Ensure you meet or exceed the minimum property damage liability requirement.
- Financial Situation: Assess your financial situation and assets. If your assets exceed your coverage limits, you may be personally responsible for the excess in the event of a claim.
- Risk Assessment: Evaluate your risk exposure based on your driving habits, the type of vehicle you drive, and where you typically drive. This can influence the likelihood of accidents and the potential cost of property damage.
- Budget: Determine how much you can afford in premiums and select coverage limits that align with your budget.
Important Considerations:
- It's typically a good idea to purchase coverage limits higher than the state minimum if your budget allows. This provides better protection for your assets and reduces your personal financial liability in the event of an accident involving significant property damage.
- Property damage coverage is designed to protect you from liability claims arising from property damage to others. For your own vehicle, you should consider collision or comprehensive coverage.
- Consult your insurance provider for guidance on suitable coverage limits based on your individual circumstances.
In summary, property damage coverage in Michigan is a fundamental part of your auto insurance policy, offering protection in the event that you're at fault in an accident causing damage to someone else's property. By considering your financial situation, risk exposure, and budget, you can choose the appropriate coverage limits to meet your needs and safeguard your financial well-being.
Personal Injury Protection
Personal Injury Protection (PIP) coverage in Michigan is a unique and essential component of auto insurance that provides extensive medical and financial benefits to you, your passengers, and even pedestrians in case of an accident. PIP is a no-fault insurance system, which means it pays out regardless of who is at fault in an accident. Here's an explanation of PIP coverage in Michigan, including what it covers, what it does not, available variances, limits, limitations, how to choose an option, and other crucial information for consumers:
What Personal Injury Protection (PIP) Coverage Covers: PIP coverage in Michigan is designed to provide comprehensive protection for those injured in an auto accident. It typically covers:
What Personal Injury Protection (PIP) Coverage Does Not Cover: While PIP is comprehensive, it may not cover certain types of medical treatments or expenses beyond what's directly related to the accident. Some common exclusions may include:
Variations and Limits: Michigan offers variations and limits for PIP coverage:
Choosing a PIP Coverage Option: When selecting PIP coverage in Michigan, consider the following factors:
Important Considerations:
In summary, Personal Injury Protection (PIP) coverage in Michigan is a vital and unique component of auto insurance that provides extensive medical and financial benefits following an accident. By considering your budget, health insurance, and risk tolerance, you can choose the right coverage option to meet your needs and protect your financial well-being.
What Personal Injury Protection (PIP) Coverage Covers: PIP coverage in Michigan is designed to provide comprehensive protection for those injured in an auto accident. It typically covers:
- Medical Expenses: PIP covers medical costs related to injuries sustained in a car accident, such as hospital bills, surgery, doctor's visits, rehabilitation, and necessary medical equipment.
- Rehabilitation Costs: It covers the expenses associated with physical therapy, occupational therapy, and any other forms of rehabilitation necessary for recovery.
- Lost Wages: PIP provides compensation for lost wages if you are unable to work due to accident-related injuries.
- Replacement Services: PIP includes coverage for services you might need to hire due to injury, such as house cleaning, lawn care, or childcare.
- Survivor Benefits: In the unfortunate event of a fatality, PIP may offer death benefits to the surviving family members.
- Funeral Expenses: PIP often covers funeral and burial expenses in the case of a fatal accident.
What Personal Injury Protection (PIP) Coverage Does Not Cover: While PIP is comprehensive, it may not cover certain types of medical treatments or expenses beyond what's directly related to the accident. Some common exclusions may include:
- Non-Accident-Related Medical Costs: PIP doesn't typically cover medical expenses unrelated to the accident.
- Optional Extras: Some alternative or non-standard medical treatments may not be covered under PIP.
Variations and Limits: Michigan offers variations and limits for PIP coverage:
- Coverage Limits: You can choose different coverage limits for PIP, ranging from lower limits to unlimited coverage. The state used to require unlimited coverage, but recent changes (as of 2020) now allow drivers to select lower limits.
- Coordination of Benefits: Some individuals may coordinate their PIP coverage with their health insurance to reduce premiums. This option means your health insurance will pay first, and PIP will cover any remaining expenses.
Choosing a PIP Coverage Option: When selecting PIP coverage in Michigan, consider the following factors:
- Budget: Assess your financial situation and determine how much you can afford in premiums.
- Health Insurance: If you have adequate health insurance, you might consider coordinating PIP coverage with your health insurance to reduce costs.
- Risk Tolerance: Evaluate your risk tolerance and determine how much coverage you need based on your circumstances and the potential financial impact of an accident.
Important Considerations:
- Michigan's PIP coverage is one of the most comprehensive in the country, providing essential protection for individuals involved in auto accidents. However, recent changes in the law allow drivers to choose lower coverage limits, so it's crucial to understand the implications of your choice.
- Consult your insurance provider for guidance on suitable coverage limits based on your individual circumstances.
In summary, Personal Injury Protection (PIP) coverage in Michigan is a vital and unique component of auto insurance that provides extensive medical and financial benefits following an accident. By considering your budget, health insurance, and risk tolerance, you can choose the right coverage option to meet your needs and protect your financial well-being.
Property Protection
Property Protection Insurance (PPI) is a unique component of auto insurance coverage in Michigan. It is intended to provide compensation for damage to other people's property caused by a motor vehicle accident. Here's an explanation of PPI coverage in Michigan, including what it covers, what it does not, available variances, limits, limitations, how to choose an option, and other important information for consumers:
What Property Protection Insurance (PPI) Covers: PPI coverage in Michigan covers damage to someone else's property resulting from a motor vehicle accident. This typically includes:
What Property Protection Insurance (PPI) Does Not Cover: PPI does not cover the following:
Variations and Limits: In Michigan, PPI coverage is relatively straightforward and doesn't have the same variations and options as other types of insurance. You are required to carry PPI, and as of my last update in September 2021, the minimum coverage limit was $1 million. In other words, PPI provides up to $1 million in coverage for property damage liability per accident.
Choosing a PPI Coverage Option: There isn't much choice when it comes to PPI coverage in Michigan. You are required to have it, and the minimum coverage limit is typically set by the state. However, it's essential to understand your coverage and make sure it complies with the legal requirements.
Important Considerations:
In summary, Property Protection Insurance (PPI) in Michigan is a mandatory part of auto insurance that covers property damage liability for others in the event of a motor vehicle accident. While there isn't much flexibility in terms of coverage options, it's important to understand your coverage and ensure that it complies with state requirements to avoid any legal issues.
What Property Protection Insurance (PPI) Covers: PPI coverage in Michigan covers damage to someone else's property resulting from a motor vehicle accident. This typically includes:
- Property Damage Liability: PPI pays for the repair or replacement of another person's property, such as their vehicle or any other property that may be damaged as a result of an accident.
- Legal Protection: PPI often provides legal protection by covering legal expenses in the event that you are sued for property damage as a result of an accident.
What Property Protection Insurance (PPI) Does Not Cover: PPI does not cover the following:
- Damage to Your Own Vehicle: It does not provide coverage for the repair or replacement of your own vehicle. For your own vehicle, you would need collision or comprehensive coverage.
- Injuries: PPI does not cover injuries to you or others involved in the accident. For medical expenses and personal injury protection, you would need other forms of insurance.
Variations and Limits: In Michigan, PPI coverage is relatively straightforward and doesn't have the same variations and options as other types of insurance. You are required to carry PPI, and as of my last update in September 2021, the minimum coverage limit was $1 million. In other words, PPI provides up to $1 million in coverage for property damage liability per accident.
Choosing a PPI Coverage Option: There isn't much choice when it comes to PPI coverage in Michigan. You are required to have it, and the minimum coverage limit is typically set by the state. However, it's essential to understand your coverage and make sure it complies with the legal requirements.
Important Considerations:
- Property Protection Insurance is unique to Michigan and is part of the state's no-fault auto insurance system. It's meant to ensure that those at fault in accidents have the financial means to cover property damage they may cause.
- Michigan's auto insurance laws have changed, allowing drivers to choose different levels of PIP medical coverage, but PPI requirements have remained relatively consistent.
- Ensure that your PPI coverage meets the minimum legal requirements to avoid any penalties or legal issues.
In summary, Property Protection Insurance (PPI) in Michigan is a mandatory part of auto insurance that covers property damage liability for others in the event of a motor vehicle accident. While there isn't much flexibility in terms of coverage options, it's important to understand your coverage and ensure that it complies with state requirements to avoid any legal issues.
Optional Coverages
Limited Property Damage Liability (Mini-Tort)
Mini-tort coverage in Michigan is a unique and relatively lesser-known component of auto insurance that provides limited financial protection for certain out-of-pocket expenses following a car accident. It is specific to Michigan's auto insurance laws and can help you recover costs associated with a car accident under certain circumstances. Here's an explanation of mini-tort coverage in Michigan, including what it covers, what it does not, available variances, limits, limitations, how to choose an option, and other important information for consumers:
What Mini-Tort Coverage Covers: Mini-tort coverage in Michigan primarily covers the cost of vehicle repairs and certain out-of-pocket expenses when you are not at fault in a car accident. It is designed to help you recover these costs from the at-fault party's insurance when they do not have the necessary coverage. This coverage typically includes:
What Mini-Tort Coverage Does Not Cover: Mini-tort coverage does not cover personal injuries, medical expenses, or property damage to others. It is specifically focused on your vehicle repair costs and certain out-of-pocket expenses.
Variations and Limits: Mini-tort coverage in Michigan typically has set limits, and these limits can vary depending on the specific policy. Coverage limits for mini-tort are commonly set at $1,000 or $3,000, although other limits may be available depending on your insurance provider.
Choosing a Mini-Tort Coverage Option: Mini-tort coverage is relatively straightforward in terms of options. You can typically choose between the available coverage limits (e.g., $1,000 or $3,000), and it's advisable to consider your budget and the potential repair costs when making your selection.
Important Considerations:
In summary, mini-tort coverage in Michigan is a unique component of auto insurance designed to help you recover certain vehicle repair costs and out-of-pocket expenses when you are not at fault in a car accident. By choosing an appropriate coverage limit and understanding your policy's terms, you can ensure that you have some financial protection in the event of such accidents.
What Mini-Tort Coverage Covers: Mini-tort coverage in Michigan primarily covers the cost of vehicle repairs and certain out-of-pocket expenses when you are not at fault in a car accident. It is designed to help you recover these costs from the at-fault party's insurance when they do not have the necessary coverage. This coverage typically includes:
- Vehicle Repair Costs: Mini-tort coverage helps pay for the repair of your vehicle, or a portion of the repair costs if you are not at fault in the accident.
What Mini-Tort Coverage Does Not Cover: Mini-tort coverage does not cover personal injuries, medical expenses, or property damage to others. It is specifically focused on your vehicle repair costs and certain out-of-pocket expenses.
Variations and Limits: Mini-tort coverage in Michigan typically has set limits, and these limits can vary depending on the specific policy. Coverage limits for mini-tort are commonly set at $1,000 or $3,000, although other limits may be available depending on your insurance provider.
Choosing a Mini-Tort Coverage Option: Mini-tort coverage is relatively straightforward in terms of options. You can typically choose between the available coverage limits (e.g., $1,000 or $3,000), and it's advisable to consider your budget and the potential repair costs when making your selection.
Important Considerations:
- Mini-tort coverage is unique to Michigan's no-fault auto insurance system. It allows you to recover certain out-of-pocket costs related to vehicle repairs when you are not at fault in an accident and the at-fault party does not have adequate insurance coverage.
- Remember that mini-tort coverage has its limits, and if the repair costs exceed your coverage limit, you may still be responsible for the excess.
- In Michigan, drivers are required to carry no-fault personal injury protection (PIP) coverage, which pays for medical expenses and other losses. Mini-tort coverage is a separate and optional component of your auto insurance policy.
- To utilize your mini-tort coverage effectively, you may need to take legal action against the at-fault party to recover your expenses, so it's essential to consult with your insurance provider and potentially seek legal advice.
In summary, mini-tort coverage in Michigan is a unique component of auto insurance designed to help you recover certain vehicle repair costs and out-of-pocket expenses when you are not at fault in a car accident. By choosing an appropriate coverage limit and understanding your policy's terms, you can ensure that you have some financial protection in the event of such accidents.
Uninsured
Uninsured Motorist (UM) coverage in Michigan is an important component of auto insurance designed to protect you in case you are involved in an accident with an at-fault driver who doesn't have insurance or doesn't have enough insurance to cover your losses. It provides coverage for you, your passengers, and your vehicle in the event of such accidents. Here's an explanation of uninsured motorist coverage in Michigan, including what it covers, what it does not, available variances, limits, limitations, how to choose an option, and other important information for consumers:
What Uninsured Motorist (UM) Coverage Covers:
What Uninsured Motorist (UM) Coverage Does Not Cover:
Variations and Limits:
In Michigan, you can typically choose the following variations and limits for UM coverage:
Choosing a UM Coverage Option:
When selecting UM coverage in Michigan, consider the following factors:
Important Considerations:
In summary, Uninsured Motorist (UM) coverage in Michigan is a valuable component of auto insurance that provides protection in case you are involved in an accident with a driver who lacks insurance or adequate coverage. By assessing your budget, coverage limits, and local risk factors, you can choose the right UM coverage to ensure financial security in such situations.
What Uninsured Motorist (UM) Coverage Covers:
- Bodily Injury Coverage: UM coverage helps pay for medical expenses, rehabilitation costs, and lost wages if you, your passengers, or family members are injured in an accident with an uninsured or underinsured driver.
- Property Damage Coverage: It covers the repair or replacement of your vehicle and any personal property inside it that is damaged in an accident with an uninsured or underinsured driver.
- Hit-and-Run Accidents: UM coverage also applies when the at-fault driver flees the scene (hit-and-run) and cannot be identified or located.
What Uninsured Motorist (UM) Coverage Does Not Cover:
- Your Own Liability: UM coverage does not cover your liability for injuries or property damage to others. It is meant to protect you when another driver is at fault and lacks sufficient insurance.
- Intentional Acts: It does not cover injuries or damages resulting from intentional acts or criminal behavior.
Variations and Limits:
In Michigan, you can typically choose the following variations and limits for UM coverage:
- Uninsured Motorist Bodily Injury (UMBI): This component covers medical expenses, rehabilitation, and lost wages for you and your passengers. You can select different limits, such as $20,000 per person and $40,000 per accident or higher, depending on your needs.
- Uninsured Motorist Property Damage (UMPD): UMPD covers the repair or replacement of your vehicle and personal property damaged in an accident with an uninsured or underinsured driver. Coverage limits vary by insurance provider but are often lower than UMBI limits.
Choosing a UM Coverage Option:
When selecting UM coverage in Michigan, consider the following factors:
- Budget: Assess your financial situation and determine how much you can afford in premiums.
- Coverage Limits: Evaluate your risk tolerance and needs to select appropriate coverage limits for both UMBI and UMPD.
- Level of Protection: Consider the prevalence of uninsured or underinsured drivers in your area and choose coverage limits accordingly.
Important Considerations:
- Michigan law requires auto insurance companies to offer UM coverage, but you are not required to purchase it. However, it is highly recommended to protect yourself from potential financial losses in accidents involving uninsured or underinsured motorists.
- UM coverage is essential, especially in states like Michigan where the percentage of uninsured or underinsured drivers can be relatively high.
- To make a UM claim, you may need to provide evidence that the at-fault driver is uninsured or underinsured, which can involve legal processes.
In summary, Uninsured Motorist (UM) coverage in Michigan is a valuable component of auto insurance that provides protection in case you are involved in an accident with a driver who lacks insurance or adequate coverage. By assessing your budget, coverage limits, and local risk factors, you can choose the right UM coverage to ensure financial security in such situations.
Underinsured
Underinsured Motorist (UIM) coverage in Michigan is an important component of auto insurance designed to protect you in case you are involved in an accident with an at-fault driver who has insurance, but their coverage is insufficient to fully compensate you for your injuries and losses. UIM coverage provides additional protection to bridge the gap between the at-fault driver's liability limits and your actual damages. Here's an explanation of underinsured motorist coverage in Michigan, including what it covers, what it does not, available variances, limits, limitations, how to choose an option, and other important information for consumers:
What Underinsured Motorist (UIM) Coverage Covers:
What Underinsured Motorist (UIM) Coverage Does Not Cover:
Variations and Limits:
In Michigan, you can typically choose the following variations and limits for UIM coverage:
Choosing a UIM Coverage Option:
When selecting UIM coverage in Michigan, consider the following factors:
Important Considerations:
In summary, Underinsured Motorist (UIM) coverage in Michigan is a valuable component of auto insurance that provides additional protection in case you are involved in an accident with an underinsured driver. By considering your budget, coverage limits, and local risk factors, you can choose the right UIM coverage to ensure financial security in such situations.
What Underinsured Motorist (UIM) Coverage Covers:
- Bodily Injury Coverage: UIM coverage helps pay for medical expenses, rehabilitation costs, and lost wages if you, your passengers, or family members are injured in an accident with an underinsured driver.
- Property Damage Coverage: It covers the repair or replacement of your vehicle and personal property inside it that is damaged in an accident with an underinsured driver.
- Gap Coverage: UIM helps bridge the financial gap between the at-fault driver's liability limits and your actual damages. It ensures that you receive the full compensation you deserve.
What Underinsured Motorist (UIM) Coverage Does Not Cover:
- Your Own Liability: UIM coverage does not cover your liability for injuries or property damage to others. It is meant to protect you when another driver is at fault but lacks sufficient insurance.
- Intentional Acts: It does not cover injuries or damages resulting from intentional acts or criminal behavior.
Variations and Limits:
In Michigan, you can typically choose the following variations and limits for UIM coverage:
- Underinsured Motorist Bodily Injury (UIMBI): This component covers medical expenses, rehabilitation, and lost wages for you and your passengers. You can select different limits, such as $20,000 per person and $40,000 per accident or higher, depending on your needs.
- Underinsured Motorist Property Damage (UIMPD): UIMPD covers the repair or replacement of your vehicle and personal property damaged in an accident with an underinsured driver. Coverage limits vary by insurance provider but are often lower than UIMBI limits.
Choosing a UIM Coverage Option:
When selecting UIM coverage in Michigan, consider the following factors:
- Budget: Assess your financial situation and determine how much you can afford in premiums.
- Coverage Limits: Evaluate your risk tolerance and needs to select appropriate coverage limits for both UIMBI and UIMPD.
- Level of Protection: Consider the prevalence of underinsured drivers in your area and choose coverage limits accordingly.
Important Considerations:
- UIM coverage is not required by law in Michigan, but it is highly recommended to protect yourself from potential financial losses in accidents involving underinsured motorists.
- UIM coverage is particularly important in states like Michigan, where insurance coverage requirements are relatively low, and the risk of encountering underinsured drivers is higher.
- To make a UIM claim, you may need to provide evidence that the at-fault driver's liability coverage is insufficient to cover your damages, which can involve legal processes.
In summary, Underinsured Motorist (UIM) coverage in Michigan is a valuable component of auto insurance that provides additional protection in case you are involved in an accident with an underinsured driver. By considering your budget, coverage limits, and local risk factors, you can choose the right UIM coverage to ensure financial security in such situations.
Comprehensive
Comprehensive insurance in Michigan is an essential part of auto insurance that provides coverage for a wide range of non-collision incidents that can damage or lead to the loss of your vehicle. In this explanation, we'll cover what comprehensive insurance includes, what it excludes, available variances, deductibles, how to choose the right option, and other important considerations for consumers in Michigan.
What Comprehensive Insurance Covers: Comprehensive insurance, also known as "comp" coverage, provides protection for damage or loss to your vehicle caused by non-collision events. This includes:
What Comprehensive Insurance Does Not Cover: Comprehensive insurance does not cover the following:
Comprehensive Insurance Variance: In Michigan, you have the option to choose between different levels of comprehensive insurance, including:
Deductibles: A deductible is the amount you agree to pay out of pocket before your comprehensive insurance coverage applies. Common deductible amounts in Michigan are $100, $250, $500, or $1,000.
Choosing a Comprehensive Option and Deductible: When selecting comprehensive insurance in Michigan, consider the following:
Remember, comprehensive insurance complements collision coverage and is essential for protecting your vehicle against various non-collision-related risks. To make an informed choice, read your policy carefully, understand the terms and conditions, and consult with an insurance agent or provider.
What Comprehensive Insurance Covers: Comprehensive insurance, also known as "comp" coverage, provides protection for damage or loss to your vehicle caused by non-collision events. This includes:
- Theft: If your vehicle is stolen, comprehensive coverage can help reimburse you for the loss.
- Vandalism: Damage to your vehicle due to vandalism, such as graffiti or broken windows, is covered.
- Natural Disasters: Comprehensive insurance typically includes coverage for damage caused by natural disasters like hurricanes, tornadoes, floods, or earthquakes.
- Fire: If your vehicle is damaged or destroyed by fire, comprehensive insurance will provide coverage.
- Falling Objects: It covers damage resulting from falling objects like trees, branches, or debris.
- Animal Collisions: Comprehensive insurance also covers collisions with animals, such as deer or other wildlife.
What Comprehensive Insurance Does Not Cover: Comprehensive insurance does not cover the following:
- Collision Damage: Damage to your vehicle caused by a collision with another vehicle or object is not included. Collision coverage is a separate policy.
- Injuries: It does not cover personal injuries. For medical expenses, you would need to look into personal injury protection (PIP) or other health insurance.
- Regular Wear and Tear: Normal wear and tear or mechanical breakdowns are not covered.
Comprehensive Insurance Variance: In Michigan, you have the option to choose between different levels of comprehensive insurance, including:
- Standard Comprehensive: This option provides coverage for all the events listed above.
- Broad Form Comprehensive: It includes standard comprehensive coverage and may offer additional protection, such as coverage for hail damage, windshield damage, or damage from hitting an animal. It's a more comprehensive but pricier option.
Deductibles: A deductible is the amount you agree to pay out of pocket before your comprehensive insurance coverage applies. Common deductible amounts in Michigan are $100, $250, $500, or $1,000.
- Higher Deductibles: Choosing a higher deductible will reduce your premium but increase your out-of-pocket costs in the event of a claim.
- Lower Deductibles: Opting for a lower deductible will raise your premium but decrease your financial responsibility when making a claim.
Choosing a Comprehensive Option and Deductible: When selecting comprehensive insurance in Michigan, consider the following:
- Budget: Assess your financial situation and decide how much you can afford in premiums and potential out-of-pocket costs.
- Vehicle Value: For a newer or more expensive vehicle, a broad form comprehensive coverage might be a wise choice, providing more extensive protection.
- Location: Consider your area's risk factors for natural disasters and wildlife encounters when deciding on coverage.
- Risk Tolerance: Evaluate your comfort level with potential financial responsibility in the event of a claim.
Remember, comprehensive insurance complements collision coverage and is essential for protecting your vehicle against various non-collision-related risks. To make an informed choice, read your policy carefully, understand the terms and conditions, and consult with an insurance agent or provider.
COllision
Collision insurance in Michigan, like in many other states, is an important component of auto insurance that covers the cost of repairing or replacing your vehicle if it is damaged in a collision, regardless of fault. Here's a comprehensive explanation of collision insurance in Michigan, including what it covers, what it doesn't, the available forms, deductibles, and how to choose the right coverage for your needs.
What Collision Insurance Covers: Collision insurance in Michigan covers damage to your vehicle resulting from collisions with other vehicles or objects, such as trees, lampposts, guardrails, or buildings. It provides financial protection for the following:
What Collision Insurance Does Not Cover: Collision insurance typically does not cover:
Collision Insurance Forms: In Michigan, you have the option to choose between two collision insurance forms:
Deductibles: A deductible is the amount you must pay out of pocket before your collision coverage kicks in. In Michigan, you can typically choose from deductible options of $100, $500, or $1,000. Here's what you need to know about deductibles:
Choosing a Collision Form and Deductible: When selecting your collision insurance in Michigan, consider the following factors:
Remember, Michigan's unique no-fault insurance laws mean that your personal injury protection (PIP) coverage will cover your medical expenses, regardless of fault. Collision coverage is primarily for vehicle repairs, so consider your personal needs and budget when making your decision.
It's essential to review your insurance policy carefully, understand the terms and conditions, and consult with an insurance agent to make an informed choice regarding your collision insurance coverage in Michigan.
What Collision Insurance Covers: Collision insurance in Michigan covers damage to your vehicle resulting from collisions with other vehicles or objects, such as trees, lampposts, guardrails, or buildings. It provides financial protection for the following:
- Vehicle Repairs: Collision coverage pays for the cost of repairing your vehicle, including parts and labor, after a collision.
- Vehicle Replacement: If your vehicle is declared a total loss after a collision, the insurance company will pay you the actual cash value of your vehicle, which you can use to purchase a replacement.
What Collision Insurance Does Not Cover: Collision insurance typically does not cover:
- Injuries: It doesn't cover medical expenses for injuries sustained in an accident. For personal injury protection (PIP) or medical coverage, you would need to look into other types of insurance.
- Non-Collision Damage: Damage resulting from non-collision incidents, such as theft, vandalism, fire, or weather-related events, is not covered under collision insurance. You'd need comprehensive insurance for these situations.
Collision Insurance Forms: In Michigan, you have the option to choose between two collision insurance forms:
- Broad Form Collision: This form covers damage to your vehicle resulting from collisions, regardless of fault. It also includes collisions with animals. It's a more comprehensive option but can be more expensive.
- Standard Form Collision: This form provides coverage for damage to your vehicle resulting from collisions, but only if you are less than 50% at fault for the accident. If you are more than 50% at fault, it won't provide coverage. This is a more cost-effective option.
Deductibles: A deductible is the amount you must pay out of pocket before your collision coverage kicks in. In Michigan, you can typically choose from deductible options of $100, $500, or $1,000. Here's what you need to know about deductibles:
- Higher Deductibles: Choosing a higher deductible can lower your insurance premium but means you'll have to pay more if you need to file a collision claim.
- Lower Deductibles: Opting for a lower deductible will increase your premium but reduce your out-of-pocket expenses when making a claim.
Choosing a Collision Form and Deductible: When selecting your collision insurance in Michigan, consider the following factors:
- Budget: Determine how much you can afford to pay in insurance premiums and out-of-pocket in the event of a claim.
- Vehicle Value: If your vehicle is newer or more valuable, you may want to consider a broad form collision coverage for added protection.
- Driving Habits: If you are a cautious driver and have a good driving record, you might opt for a standard form collision coverage to save on premiums.
- Risk Tolerance: Assess your risk tolerance and how much risk you are willing to assume in the event of an accident.
Remember, Michigan's unique no-fault insurance laws mean that your personal injury protection (PIP) coverage will cover your medical expenses, regardless of fault. Collision coverage is primarily for vehicle repairs, so consider your personal needs and budget when making your decision.
It's essential to review your insurance policy carefully, understand the terms and conditions, and consult with an insurance agent to make an informed choice regarding your collision insurance coverage in Michigan.
Towing / Roadside Assistance
Road trouble service coverage in Michigan, often referred to as roadside assistance or towing coverage, is an essential component of auto insurance that provides help and support when your vehicle experiences issues on the road. Here's an explanation of what it covers, what it does not, available variances, limits, limitations, how to choose an option, and other important information for Michigan consumers:
What Road Trouble Service Coverage Covers: Road trouble service coverage includes assistance when you encounter problems while driving. Typically, it covers:
What Road Trouble Service Coverage Does Not Cover: Road trouble service coverage typically does not cover the following:
Variations and Limits: There may be variations in the level of road trouble service coverage offered by different insurance companies. Common limits and variations include:
Choosing a Road Trouble Service Coverage Option: When selecting road trouble service coverage in Michigan, consider the following factors:
Important Considerations:
What Road Trouble Service Coverage Covers: Road trouble service coverage includes assistance when you encounter problems while driving. Typically, it covers:
- Towing: If your vehicle breaks down and cannot be driven, this coverage will pay for towing to a repair facility.
- Jump Starts: It includes jump-starting your vehicle's dead battery.
- Flat Tire Repair: This coverage helps with changing a flat tire or repairing it if possible.
- Lockout Services: If you lock your keys in your vehicle, this coverage can provide assistance in getting the doors unlocked.
- Fuel Delivery: If you run out of gas, this coverage can provide a small amount of fuel to help you reach the nearest gas station.
What Road Trouble Service Coverage Does Not Cover: Road trouble service coverage typically does not cover the following:
- Mechanical Repairs: It does not cover the cost of actual vehicle repairs; it is focused on providing immediate assistance to get you back on the road.
- Non-Emergency Services: Coverage is for emergencies and roadside issues. It does not pay for routine maintenance, oil changes, or non-urgent repairs.
Variations and Limits: There may be variations in the level of road trouble service coverage offered by different insurance companies. Common limits and variations include:
- Coverage Limits: Insurance companies may limit the number of service calls you can make per year or the total coverage amount per call.
- Geographic Coverage: Some policies may have limitations on how far they will tow your vehicle or the type of roads (e.g., highways, secondary roads) covered.
- Additional Services: Some insurers offer additional services, such as providing a rental car or lodging if your breakdown occurs far from home.
Choosing a Road Trouble Service Coverage Option: When selecting road trouble service coverage in Michigan, consider the following factors:
- Driving Habits: Think about how often you drive and whether you are more likely to encounter road trouble. Frequent travelers may benefit more from comprehensive coverage.
- Vehicle Age: Older vehicles may be more prone to breakdowns, making this coverage more valuable.
- Geographic Considerations: If you often drive long distances or in rural areas, you may want more robust coverage.
- Budget: Assess how much you're willing to pay for the additional coverage and services.
Important Considerations:
- Some insurance companies may offer roadside assistance as part of their standard auto insurance policies, while others offer it as an optional add-on. Check with your insurer to see if it's already included in your policy.
- Make sure to understand the specific terms and conditions of your road trouble service coverage, including any limitations, coverage limits, and the process for requesting assistance.
- Many auto clubs and third-party providers offer roadside assistance plans as well. Compare the cost and benefits of these plans with your insurance provider's offering to make an informed choice.
Rental Reimbursement
Rental Reimbursement Coverage in Michigan, also known as rental car coverage, is an optional add-on to your auto insurance policy that helps cover the cost of renting a substitute vehicle while your own vehicle is being repaired due to a covered accident or is temporarily unavailable for use. Here's an explanation of rental reimbursement coverage in Michigan, including what it covers, what it does not, available variances, limits, limitations, how to choose an option, and other important information for consumers:
What Rental Reimbursement Coverage Covers:
What Rental Reimbursement Coverage Does Not Cover:
Variations and Limits:
Rental reimbursement coverage in Michigan often provides several options and limits:
Choosing a Rental Reimbursement Coverage Option:
When selecting rental reimbursement coverage in Michigan, consider the following factors:
Important Considerations:
In summary, Rental Reimbursement Coverage in Michigan is an optional component of auto insurance that can be valuable for covering the cost of renting a substitute vehicle when your insured vehicle is undergoing repairs due to a covered incident. By considering your budget, expected downtime, and rental car costs, you can choose the appropriate rental reimbursement coverage to meet your needs and reduce the inconvenience of a temporary loss of your vehicle.
What Rental Reimbursement Coverage Covers:
- Rental Vehicle Costs: Rental reimbursement coverage typically pays for the cost of renting a vehicle while your insured vehicle is undergoing repairs or maintenance due to a covered accident or another covered incident.
What Rental Reimbursement Coverage Does Not Cover:
- Vehicle Maintenance: It does not cover the cost of renting a vehicle for routine maintenance or non-accident-related repairs.
- Non-Covered Incidents: Rental reimbursement coverage is generally only applicable for accidents or incidents covered under your auto insurance policy.
Variations and Limits:
Rental reimbursement coverage in Michigan often provides several options and limits:
- Daily Rental Limit: You can choose a daily limit, such as $30, $40, or $50, which represents the maximum amount your insurance company will pay per day for a rental car. For example, if you choose a $40 daily limit, your insurance company will reimburse you up to $40 per day for your rental vehicle.
- Coverage Period: You can also select the coverage period, which specifies the maximum number of days or the total amount of coverage available. For example, you might choose coverage for up to 30 days or up to a maximum dollar amount, such as $900.
Choosing a Rental Reimbursement Coverage Option:
When selecting rental reimbursement coverage in Michigan, consider the following factors:
- Budget: Assess your budget and how much you are willing to pay for rental reimbursement coverage. The daily limit and coverage period you select will impact your premium.
- Expected Downtime: Consider your typical repair times when choosing a coverage period. If you expect your vehicle to be in the shop for an extended period, a longer coverage period might be beneficial.
- Rental Car Costs: Research the cost of rental cars in your area to ensure that the daily limit you select is sufficient to cover your rental expenses.
Important Considerations:
- Rental reimbursement coverage is an optional add-on to your auto insurance policy, and you are not required to have it. However, it can be particularly useful in situations where you rely heavily on your vehicle and would face substantial inconvenience without a rental car.
- Verify the terms and conditions of your policy, including the specific incidents and coverage limits, before renting a replacement vehicle.
- Keep all rental receipts and necessary documentation to ensure you receive the full reimbursement entitled to you.
In summary, Rental Reimbursement Coverage in Michigan is an optional component of auto insurance that can be valuable for covering the cost of renting a substitute vehicle when your insured vehicle is undergoing repairs due to a covered incident. By considering your budget, expected downtime, and rental car costs, you can choose the appropriate rental reimbursement coverage to meet your needs and reduce the inconvenience of a temporary loss of your vehicle.
MICHIGAN AUTO INSURANCE RATES
KNOW THE FACTORS TO BEAT THE SYSTEM
Michigan auto insurance rates can be influenced by a variety of factors, including demographic, personal, and geographic elements. Understanding these factors can help you navigate the complex world of auto insurance in the state. Here are some key factors that can impact auto insurance rates in Michigan:
It's essential to remember that insurance rates are not solely determined by one factor but are based on a combination of these factors. Different insurance companies may weigh these factors differently when calculating your premium. To find the most affordable insurance rates in Michigan, it's recommended to shop around and obtain quotes from multiple insurers to compare options and ensure you're getting the best coverage for your specific circumstances. |
STEPS TO GETTING THE BEST AUTO INSURANCE RATE
Obtaining more affordable auto insurance rates is a common goal for many drivers. Here are some tips to help you lower your auto insurance premiums, along with how shopping with an independent insurance agency like Roscommon, Grayling & Coopersville Insurance Agencies can be beneficial:
Shopping with an independent insurance agency like Roscommon, Grayling & Coopersville Insurance Agencies can be particularly advantageous because these agencies work with multiple insurance providers. They can help you find the most competitive rates and coverage options to meet your specific requirements. Additionally, independent agents can provide ongoing support and assist with any changes or claims, ensuring you have the right coverage at the right price |
MICHIGAN AUTO INSURANCE LAWS
KNOWING THE SYSTEM
Michigan's auto insurance laws are distinctive, primarily due to the state's no-fault insurance system, which is designed to provide prompt compensation for accident-related injuries and minimize the need for costly and time-consuming lawsuits. Here's an elaboration of Michigan's auto insurance laws:
It's essential for Michigan drivers to understand and comply with the state's auto insurance laws to avoid legal consequences and ensure they have the necessary coverage to protect themselves in the event of an accident. Given the recent changes in Michigan's auto insurance laws, it's advisable to consult with an insurance professional or the Michigan Department of Insurance and Financial Services for the most current information. |
HOW TO WIN WHEN
BUYING CAR INSURANCE
Car insurance in Michigan is expensive, so the buying process is important. Here are some key tips to winning in the buying process:
AUTO DISCOUNTSWe will use all discounts you qualify for, but see the list below in case your insurance picture changes. If it does, let us know! We'd be happy to add the savings.
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DETERMINE COVERAGE NEEDS:
Liability: You should pick limits that are at least twice your assets total value
Deductibles: Know what you can pay out of pocket at a moments notice. Losses always happen unexpectedly.
USE AN AGENCY:
Using an agency ensures there is a business that is held accountable for doing right by you. Going direct without an agency puts you at risk because there is little to no accountability if things go wrong for you, especially when you pick your coverages. If you cannot answer what each coverage does and doesn't do, you shouldn't be picking your own coverage. SHOP AROUND:
Shop around. The more companies you quote with, the more likely you are to find the company who finds you to be their ideal customer, showing it in the rate. Independent insurance agencies shop multiple companies for you, giving you more results in less time. COVERAGE:
Look at the coverage the agency gives you. If they just give you the bare minimum (State minimums), you don't have enough. Make sure you get an explanation on why they used the limits and deductibles they did (a hint is your limits should be at least twice what your assets are). DISCOUNTS:
Look at the discounts you got on your quote. Cross check that with the list of discounts here; if you are missing any, ask them why they are missing
EVALUATE THE AGENCY:
DO YOUR PART:
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OUR BENEFIT TO YOU
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Thoroughness
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Shopping Around
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Knowledge
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Daily Service
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Thoroughness: We are thorough from the start. We ask all the questions to make sure we can find you the best rate possible, but also so the policy we submit doesn't come back different than the application you signed.
Shopping Around: We represent great carriers that allow us to compare rates all in one comparative rating tool.
Even better: we do this again with each of your renewals, saving you ton's of time and money.
Even better: we do this again with each of your renewals, saving you ton's of time and money.
Knowledge:
We know Michigan auto insurance.
We know our companies.
We know their coverages.
We keep current in our knowledge.
With this knowledge comes the ability to better serve you as your insurance picture evolves.
We know Michigan auto insurance.
We know our companies.
We know their coverages.
We keep current in our knowledge.
With this knowledge comes the ability to better serve you as your insurance picture evolves.
Daily Service: We work hard at new business and every day after to ensure you have the best customer service experience possible.
FINANCIAL TOPICS:
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COVERAGE TOPICS:
PERSONAL INJURY PROTECTION (PIP MED)Personal Injury Protection, often called PIP is medical coverage for you and your resident relatives under your policy. Getting it right is a must.
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BODILY INJURY: WHAT IS IT, WHAT DO I CHOOSE?Bodily Injury is equally as important as PIP Medical. Find out what our agents know to help protect you if a lawsuit is brought upon you.
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WHAT PART OF THE POLICY CAN I SAVE MONEY ON?Auto insurance coverage is expensive. Believe it or not, there are parts of the policy where you can save money, and do so while minimizing the long term effect.
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OUR COMMITMENT TO YOU
At Roscommon, Grayling & Coopersville Insurance Agencies, we are more than just an independent insurance agency; we are a family dedicated to serving yours. Our commitment to our customers goes beyond policies and premiums. We are driven by a genuine desire to protect and support the well-being of your family. With our deep-rooted values of trust, integrity, and personalized care, we promise to provide you with the highest level of service and guidance. Our goal is to be your trusted partner in navigating the complex world of insurance, ensuring that you and your loved ones have the coverage and support you need in every chapter of life. When you choose Roscommon, Grayling & Coopersville Insurance Agencies, you become a part of our extended family, and we stand by our commitment to safeguard your peace of mind, today and for generations to come.
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