an independent insurance agent, we work for you. We are not
obligated to any particular insurance company, so we are able
to choose the best protection for your individual needs.
Personal Services Includes:
A policy with state mandatory coverages only includes Bodily
Injury, Property Damage, Property Protection,
and Personal Injury Protection coverages. A policy with
state mandatory coverages and physical damage includes these
coverages along with Collision and Comprehensive.
Collision and Comprehensive coverages are required
if your vehicle is financed or leased and are subject to a
Bodily Injury liability coverage protects you if you are
involved in an accident in Michigan and you cause serious bodily
injury to others. If you injure someone while driving in another
state, you are under the law of that state and can be sued in
the courts of that state and made to pay damages. We can provide
you with the state minimum limits of $20,000 per person and
$40,000 per accident. However, it is our agency recommendation
to have Bodily Injury liability limits of $300,000 per person
and $300,000 per accident. Higher limits are available and are
Property Damage liability coverage protects you if you
are involved in an accident outside of Michigan and you cause
damage to another person's property. We can provide you with the
state minimum limits of $10,000. However, we recommend higher
limits of at least $300,000.
Personal Injury Protection coverage provides coverage for
your own injuries without regard to fault. This coverage
includes all of your medical costs incurred in an automobile
accident as well as a limited amount of lost wages resulting
from the accident.
Property Protection coverage provides coverage of up to
$1 million for damage your car does in Michigan to other people�s
property such as building, fences, and other people�s properly
Collision coverage pays for damages to your vehicle when
damaged by collision with another vehicle or object regardless
of fault. Types of Collision available include:
Standard Collision � pays for damage to your vehicle
regardless of fault.
Your deductible will be applied. If not at-fault, you will
need to file a claim against the other
party to recover your deductible amount.
Broad Form Collision � pays for damage to your vehicle
regardless of fault. You only pay the
deductible when more than 50% at-fault.
Limited Collision � pays for damages to your vehicle
only if you were not more than 50%
at-fault in the accident
Comprehensive coverage pays for damages to your vehicle
causes by an accident other than collision, such as vandalism,
theft, wind, fire or impact with an animal.
ADDITIONAL OPTIONAL COVERAGES
� Limited Property Damage Coverage
Provides up to $500 coverage for damage to each motor vehicle
for which an insured becomes
legally responsible to pay due to an at-fault accident. This
amount would be paid if the
insured is more than 50% at fault, and damage to the other party�s
vehicle is not covered by
their own policy, typically because of a collision deductible or
lack of collision coverage. By law, $500 is the maximum limit
allowed for this coverage.
� Uninsured Motorist Coverage
This coverage allows you to recover bodily injury damages due
to an accident where the
other party does not have insurance and is found to be legally
� Underinsured Motorist Coverage
This coverage allows you to recover bodily injury damage due
to an accident caused by another driver who has insufficient
� Towing and Labor Coverage
Pays for expenses incurred up to a limit selected when your
auto is disabled. This coverage
may be purchased if comprehensive or collision coverage is
listed for the automobile.
� Extended Transportation Coverage
Provides reimbursement up to the selected coverage limit for
rental car expenses incurred
after a covered loss renders the insured vehicle unusable for
more than 24 hours (must purchase comprehensive or collision to
obtain this coverage)
Five Automobile Insurance Tips
- Go from limits of $100,000 / $300,000 to $250,000 /
$500,000 for as little as $10 per auto for six months. If
you hurt someone seriously in an auto accident you will be
glad you increased your limits.
Make sure you have Broad Collision for your auto - For around $20 per vehicle you can eliminate your
deductible if the accident is not your fault, and you won�t
have the hassle of trying to collect it from the other
Carry Mini-Tort Liability or Property Damage Buy Back coverage
- If you are at-fault in an accident you can be held
responsible for $500 of the other person�s auto repairs.
For less than $5 we will cover that cost for you.
If you have health insurance you can coordinate your
automobile medical coverage with your present health
insurance provider - This saves you approximately $15 per auto.
Make sure your Uninsured and Underinsured Liability
limits are equal to your Bodily Injury limits - If you or a family member is seriously hurt in an
accident, and the at-fault driver doesn't have insurance
or has very low limits, you can recover damages from your
- Increase your Bodily Injury Liability Limits
The following coverage definitions should
help you understand your homeowners insurance policy--but be
sure to consult your insurance company representative to assure
that you have the right coverage for your needs.
The dollar amount carried to cover your home
and any structures attached directly to it. Ideally, the amount
of coverage you carry should equal the cost of rebuilding your
home after a total loss.
Other Structures Coverage
Covers other structures set apart from the
dwelling on the residence premises, such as a detached garage.
This coverage applies up to the limits provided in your policy
and can be increased if necessary.
Personal Property Coverage
This coverage provides worldwide coverage for
personal property owned or used by the insured.
Loss of Use
This coverage is available when you cannot
live in your home due to a covered loss. It pays living
expenses, which go over and above your normal living expenses up
to the limit provided in your policy.
Liability coverage protects you in two ways.
First, it provides for your legal defense against a liability
claim--whether the claim is legitimate or not. Second, it will
pay any court judgments against you up to the policy limit.
This pays emergency medical bills for anyone injured on your
property or any injury caused by a member of your family or a
pet, regardless of where it happens. All bills are paid, up to
your policy limit, whether or not you're legally responsible.
Homeowners policies have many other optional features available
to you depending on your individual needs. These include
earthquake and scheduled personal property coverage.
Five Homeowners Insurance tips to
- Make sure your home is insured to today's rebuilding costs -
If you have remodeled, added on, or just have not had
your insurance limit reviewed in several years, you may be
- Be sure you to specifically include coverage for
jewelry, firearms, fine arts, antiques, and hearing aids
- Standard homeowners policies have limitations on these
items, so having them scheduled is the only way to insure
- Consider adding building ordinance and law coverage to
your homeowners policy - If you have a partial or total fire city, state or
Federal building codes may require new and costly features
added to your home. Without this protection those costs
are not covered by a standard homeowners policy, leaving
you to pay for them.
- Increase the Personal Liability limits on your homeowners - Increasing your protection from $100,000 to $500,000
costs as little as $15 a year. No one wants to be a part
of those outrageous lawsuits we sometimes read about.
- Make sure you have all your snowmobiles, boats, and
four-wheelers covered - If they are older and you don't need physical damage
coverage, don't forget about the liability risk. Call and
make sure you are protected if an injury accident occurs.
Boats, jet skis, ATVs and recreational vehicles are
exciting modes of transportation. They provide a great means of escape on
weekends and vacations, but ownership of these comes with some risks.
While all recreational-type vehicles can be protected by
the same basic coverages, each one has its own special requirements and
At a minimum, boats, jet skis, ATVs and recreational vehicles need
"liability" and "comprehensive" insurance coverage.
Liability protects you if your vehicle injures someone or damages someone
else's property, and comprehensive insurance protects your property in case of
vandalism, damage or destruction caused by theft or fire. Depending on the age
and value of your investment, you may want to purchase collision insurance,
which provides coverage for damage you cause to your own property.
Protecting your family
One of life's rewards for working hard and saving for a rainy
day is achieving financial security. One of life's realities,
however, is the possibility of premature death, leaving
financial responsibilities for the loved ones left behind.
There is a solution.... life insurance. Life insurance
can create an immediate cash fund for loved ones. So, even if
death is premature, financial security for your family is
What Types of Life Insurance Are Available?
Insurance is designed
to provide life-long coverage with benefits and features usually
not available with term life insurance policies. Cash
value is available for emergencies, family members can be
included and coverage premium payments generally remain
level. The following permanent programs are available.
� Universal Life
� Whole Life
� Simplified Issue
Whole Life Insurance
� Simplified Issue
Children's Advantage Plan Plus� Life Insurance
Universal Life Insurance
Provides immediate cash
value, flexible premium payment plans, tax deferred savings and
guaranteed death benefits. Universal Life programs can be custom
designed to fit individual protection needs, financial security
needs and supplement retirement needs.
Whole Life Insurance
Provides level death
benefit protection with level premiums and guaranteed cash
values. Whole Life insurance can provide needed cash value for
emergency family needs and can help supplement future retirement
Simplified Issue Whole Life
This plan offers
guaranteed premiums, death benefit protection and cash values to
age 110 for insureds age 50-80. Provides coverage for final
expenses, such as medical and hospital expenses, outstanding
debts and funeral costs. Easy-to-complete short form application
with minimal underwriting requirements.
Simplified Issue Children's Advantage Plan Plus�
This plan offers guaranteed premiums, death benefit protection
and cash values to age 110 for insureds 15 days through age 17.
The death benefit will increase automatically 50% at age 18 and
then again at age 25, with no increase in premium. This policy
is written by the Auto Owners Life Insurance Company.
Term Insurance provides
coverage for a specified period of time such as 10, 20 or 30
years. It is designed to protect short-term needs such as
debt obligations, mortgages or protection while children are
young. Typically, term insurance does not provide cash
value. The following term products may fit your needs.
� 10, 20 and 30 Year
Level Term Insurance
� Mortgage Decreasing
� Simplified Issue 5
Year Level Term Insurance
10, 20 and 30 Year Level Term Insurance
These programs provide
level death benefits for either 10, 20 or 30 years. They can
include a guaranteed premium and renewal benefit at the
Mortgage Decreasing Term
death benefit protection for a specified term of 10, 15, 20, 25
or 30 years.
Simplified Issue 5 Year Level Term
This plan provides
low-cost level death benefit protection for short-term needs
such as debt obligations. Easy-to-complete short form
application with minimal underwriting requirements.
Disability Waiver of Premium
Waives premium payments (or cost of insurance charges if
Universal Life Insurance) if the insured becomes disabled for
six months or longer.
Provides additional death benefits should death occur as a
result of an accident.
Insured's spouse and/or children can be added for life insurance
Mortgage Payment Disability Benefit
Provides money to continue making debt obligation payments if
the insured becomes totally disabled for 60 days or longer.
Payor Death and Disability
This additional benefit waives the premium payments (or cost of
insurance charges if Universal Life) on a child's policy if the
premium payor becomes disabled or dies.
Guaranteed Purchase Option
Provides opportunities to purchase additional life insurance
protection at certain ages without proving insurability.
for both you and your family
People work hard to afford what they enjoy in life and to pay
their continuing expenses such as food, clothing, shelter,
utilities, insurance premiums and entertainment. Their ability
to earn an income is their most valuable asset. If that ability
is interrupted because of an accident or sickness, they may find
it difficult to maintain their standard of living and impossible
to plan for the future. Unfortunately, the chance of a disabling
accident or sickness is greater than most people think.
� 1 out of 4 workers,
age 35-65, will be disabled for 90 days.*
� Disability is the
cause of nearly 50% of all home foreclosures.*
� Before age 65, if a
disability lasts 90 days, it is expected to last an average of
� 80% of U.S. workers
will exhaust their savings in only two months without the
ability to earn an income.**
* National Association of Life Underwriters
** Commissioner's Disability Table