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Please keep in mind that information provided at iSCHURING’s Resource Center is meant to provide an overview of the topic, rather than an in-depth review. When deciding how this information applies to your specific situation, we recommend discussing with an iSCHURING licensed insurance agent. Any information provided at iSCHURING should also be reviewed by an attorney or tax consultant to determine the best course of action for your unique situation. No information may be copied, reprinted or otherwise reproduced without the expressed written consent of iSCHURING.com.

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What is “Collision Coverage” When Quoting in iSchuring?

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…

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What is an SR-22 Responsibility Filing?

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…

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What is “PIP” Deductible when Quoting on iSchuring?

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…

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What is “Comprehensive” Coverage when Quoting in iSchuring.com?

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.…

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What is Personal Injury Protection (PIP)?

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…

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What is Limited Property Damage or “Mini-tort” Coverage?

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…

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What is the “PIP Work-loss Waiver” Option in iSchuring.com?

Short Answer: It’s a discount, BUT you may also lose valuable income replacement coverage. In the 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…

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