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COVID-19: 15% Auto Discount

4/13/2020

Notice to all personal auto policy holders:

We are happy to note that our auto insurance companies are stepping up to provide premium concessions for policies that remain active, as a result of the Corona Virus.

Companies are working quickly, but are apparently required to receive approval from the State of Michigan, Dept. of Insurance & Financial Services (DIFS) due to “rebating” laws.

Common information pertaining to our carriers is as follows:

The typical the amount is about 15% (probably excluding State MCCA fees).
The method to be used will be either account credit or refund via payment method in place.
The concession will be automatic, you’ll not need to do anything to receive it. ☺
If there IS a caveat to this, we’re learning that the forms the State requires for this to happen are extensive and because the DIFS is very behind with Auto No-Fault Reform, State approval is taking more time than expected. ‘Policy holders may need to be patient’.

We’re proud of our companies for their civic mindedness and effort to do their part. Please stay tuned, we’ll provide updates as they become available.

Basics of Buying Car Insurance: 5 Steps

7/29/2019

How to Renew a Car's Plates That You Store

2/26/2018

With this world as technologically advanced as it is, the SOS has stepped up what they are doing in regards to cross-checking for active insurance on a vehicle you are trying to renew plates for. The SOS can now check with your insurance company on whether you have active insurance on a specific car or not. If you are one of us unfortunate individuals that has a winter birthday and also have a car you store through the winter, you have a couple options to avoid the State rescinding your tabs:

Renew in advance. You can do so up to 6 months ahead of time and don't lose out on time you have paid for and they verify your car has current coverage.
Pay a $10 late fee. As soon as the car comes out of storage and is back on insurance, you can just pay the small penalty.

Keep in mind, some carriers require you to keep coverage on your car after pulling it out of "storage/comp only" for 30 days, so adding liability back for 3 days may not be acceptable. This is a conversation you should have with your agent!

Home Pagewww.allendaleinsurance.com

Sign Your Docs on iPhone/Apple Device

9/28/2017

Follow along with this video and learn how to quickly sign and edit documents from your email!

By: Michael Walker, Agency Manager/Operator

Always looking to help! Let me know in the comments below if there are other processes you feel would be worth creating a tutorial on.

Car Insurance: Collision Coverage

2/13/2017

Car Insurance: Collision Coverage

What is it?

Car Insurance: How to Save Money on Your Car Insurance

2/13/2017

Car Insurance Discounts

Remember, not all companies have all of these discounts, but they are definitely worth asking about!

Michigan No-Fault Car Insurance

2/3/2017

Michigan No-Fault Car Insurance

What is it?

Car Insurance: Uninsured/Underinsured Motorist

2/3/2017

Underinsured/Uninsured Motorist Coverage

What is it?

Car Insurance: Property Damage Coverage

2/2/2017

Car Insurance: Property Damage Coverage

"Property Damage Liability protects against monetary loss resulting from legal liability for damage to property of another in the United States, Canada or Mexico."

How to Choose Limits?

Bodily Injury Coverage

2/1/2017

"Bodily Injury (BI) Liability protects against monetary loss resulting from legal liability for injuries to a person occurring in the United States, Canada or Mexico."

Simple right? Well not entirely. What limits do you select? What type of limits do you select? It isn't a perfect answer for everyone, but here is a good "guide"

Type of Limits: Combined Single Limit or Split Limits?