Quick Answer: “Collision” physical damage coverage for your automobile. Just as the name implies, with “collision” coverage you are asking the insurance company to pay in case your car comes into contact with another vehicle or object while moving. In most cases, it will even pay if your car is upset (your car rolls-over). This…
Quick Answer: It’s Ok. Pick the vehicle from the drop down box you think is yours and we’ll still provide you a quote. You know the make, model and year of your car. That should be enough to get a quote, right? Well, the answer is maybe. Your car is unique just like you. Oftentimes auto…
Quick Answer: A document that may need to be presented to the Secretary of State or DMV that shows you have the minimum amount of insurance required in place. Not everyone is required to have an SR-22. Typically, you will be notified by the entity requesting the SR-22 and required to provide it to them…
Quick Answer: The amount you pay for medical and/or wage benefits before the insurance company starts paying. The Personal Injury Protection portion of your policy provides for the payment of medical bills and lost wages if you are injured in an auto related accident. As the name implies, the deductible is the amount that you…
Quick Answer: It helps to determine the Comprehensive and Collision rates for the insurance quotes on your vehicle Auto manufacture’s make a lot of unique variations of the same year, make and model. A “base” model could be far less expensive than a “deluxe” model. As you can imagine, the cost to insure a “base”…
Quick Answer: To set your insurance premium according to the likelihood that an insurance company will pay a loss for you in the near future. Over the years a lot has changed in how insurance companies determine rates. Because new technology and rating formulas allow them to more accurately predict who will have claims and who will…
Quick Answer: “Other than Collision” physical damage coverage for your auto. When you select to insure your car with “Comprehensive” coverage, you are asking the insurance company to pay in case something happens to your car. This is a little different from coverages that pay for injuries you cause to people or their property. Instead, this coverage pays for your car.…
Personal Injury Protection (PIP)– In Michigan’s no-fault auto insurance system, Personal Injury Protection provides for the payment of medical bills and lost wages if you are injured in an auto related accident. When quoting in iSCHURING, you must decide if your auto insurance company will be paying on a “Primary” or “Excess” basis for both medical…
In Michigan’s no-fault insurance system, drivers are typically responsible to pay for damage to their own cars. The idea is that the system will run much smoother, since we won’t be suing each other for damage to our cars. For the most part it works. However, in a couple of different situations you may be required to pay…
Short Answer: It’s a discount, BUT you may also lose valuable income replacement coverage. In Michigan, you have an option to waive the work-loss benefits within the no-fault Personal Injury Protection section of your policy. Personal Injury Protection provides for the payment of medical bills and lost wages if you are injured in an auto related accident. For PIP…