FREQUENTLY ASKED QUESTIONS
Michigan Insurance Group understands that insurance is complex. That is one of the many reasons we have chosen to be an Independent Agent. We are hear when you need us, especially when you have questions or concerns about your insurance. Please check out the Insurance Frequently Asked Questions below. Feel free to call us if you have additional questions.
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Browse FAQs by the type of insurance you are interested in learning more about. Select from one of the following to jump to that section:
General Insurance Questions:
Our Response: The PIP law offers new options for medical coverage portion on your policy. The options depend on what type of medical coverage you have. The PIP law also changes who is eligible for certain coverage on your policy. This portion changes how and who needs to be listed on your policy. Learn More about No Fault Reform.
Michigan Insurance Group Response: Make sure you have high enough limits to protect all your assets. Some coverage to look at is higher liability limits, a personal umbrella policy, and proper selection for the PIP option.
Michigan Insurance Group Response: There are 3 options that are available to everyone and 3 options available depending on what type of health insurance you have. Learn More about No Fault Reform.
Michigan Insurance Group Response: There could be any number of reasons, let’s take a look and see what we can do.
It’s best to talk to your agent about rate changes. Feel free to call or email us!
Our response: Michigan has unlimited medical coverage if you get hurt in an accident, so rates can be quite a bit higher than other states. Let’s see what we can do to help bring that cost down.
Auto Insurance Questions:
Michigan Insurance Group Response: Household resident relatives are eligible for PIP coverage as passengers and/or pedestrians, so they need to be accounted for to ensure coverage is applicable.
Michigan Insurance Group Response:
- With Standard collision no matter if you are at fault in an accident or not you have to pay your deductible.
- With Broad form collision if someone else hits you and you don’t cause the accident you do NOT have to pay your deductible.
Michigan Insurance Group Response: Yes, if you have Comprehensive coverage and the cost is below your deductible your car insurance can cover your windshield.
Michigan Insurance Group Response: That depends on if John Smith live in your household. If he does, then we can add him and the car. If not, do you have an insurable interest in the car?
Homeowners Insurance Questions:
Michigan Insurance Group Response: Mold coverage on your home insurance policy depends on how the policy is written as well as what kind of mold it is. Generally, the insurance carrier determines if it is covered by insurance.
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Motorcycle Insurance Questions:
Michigan Insurance Group Response:
Most companies rate your policy with the knowledge that you won’t be riding the bike year-round, so they don’t allow you to put the bike into storage like you would a car. However, you can do things to save money. You can temporarily lower the liability limits and remove collision from the bike.
Agent’s Reply: The short answer is simply No. All though motorcycle insurance doesn’t offer personal injury protection it does offer medical payment and medical benefits.
Agent’s Response: Medical payments are an available optional coverage.
Agent Response: Most policies will come with some level of coverage for gear; however, you may need to increase limits depending on the amount of gear you want protected.
Agent’s Response: Yes, most policies will cover you anywhere in the United States. You can also add trip interruption, which will broaden your protection while on your trip.
Renters Insurance Questions:
Michigan Insurance Group Response: Updating your address is a simple process on the renter’s policy and we always suggest you keep that coverage going at your new place.
Our Response: In most cases, it’s rather cheap. If you bundle with your auto insurance, the discount to bundle often covers the cost of the renters insurance policy.
Agent’s Reply: So that if your home catches fire you are not replacing your belongings out of pocket. Also, if you accidentally started this fire, it could cover the damage the fire caused if you’re found liable.
Renters insurance will cover all your belongings, as well as provide you liability coverage. The premium for renters insurance is very inexpensive.
Michigan Insurance Group’s Response: Personal Property (your stuff), liability protection, and loss of use to name a few.
Umbrella Insurance Questions:
Michigan Insurance Group Response: Umbrella insurance provides excess liability for all your underlying insurance policies. So, if you are legally liable for $300,000 in damage from an auto accident but your auto policy only provides $200,000, your umbrella policy would cover the excess $100,000 in damages up to the policy limit. Umbrella insurance can also provide liability coverage for damages not covered by your other insurance policies.
Michigan Insurance Group Response: A personal umbrella policy can range from as little as a couple hundred dollars a year to several hundred depending on the level of coverage and risk details.
Agent Response: It’s a litigious world we’re living in these days and people don’t necessarily sue because they think you have a lot to give. They sometimes sue because they don’t have a lot or they have low coverage themselves. It’s not a bad idea to have that extra coverage for a minimal cost.
Additionally, you have young, inexperienced drivers in your house and, if they cause an accident, you may not have enough coverage on your auto policy. You have worked hard and accumulated assets to protect, so make sure you have enough liability protection to keep them. The recent changes in Michigan auto insurance law have made it so drivers can lower their medical coverage and, if you hurt them in an accident, they may have to sue you to cover their medical bills.
Michigan Insurance Group’s Reply: The purpose of an umbrella policy is to add an additional amount of liability on top of all your policies. An umbrella policy also will follow you anywhere in the world!
Michigan Insurance Group’s Response: Umbrella insurance provides excess liability for all your underlying insurance policies. So, if you are legally liable for $300,000 in damage from an auto accident but your auto policy only provides $200,000, your umbrella policy would cover the excess $100,000 in damages up to the policy limit. Umbrella insurance can also provide liability coverage for damages not covered by your other insurance policies.