Frequently Asked Questions

FAQ’s

WHAT IS AN INDEPENDENT INSURANCE AGENT?


An independent insurance agent can sell insurance policies provided by several different insurance companies. This type of agency system offers the consumer the opportunity to have their insurance quoted and reviewed by multiple industry carriers which allows for the client to receive coverages that most appropriately fit their needs. Their expertise allows them to advise clients about appropriate amounts of insurance and insurance coverages. They also help consumers navigate and understand insurance laws and or requirements. . Independent agents typically sell a variety of insurance and financial products, including Property and Casualty
Insurance and Life Insurance. For businesses, independent agents can offer Workers
CompensationProduct LiabilityProfessional Liability and Directors & Officers Liability.

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WHAT IS MICHIGAN NO-FAULT AUTOMOBILE INSURANCE?

The Michigan no-fault system was adopted in 1973 to increase the level of benefits paid to injured persons, make sure such payments are made promptly, and reduce the proportion of premium dollars paid out for legal and administrative costs. A Michigan no-fault policy provides unlimited medical and rehabilitation benefits and provides wage loss benefits for up to three years. In exchange for these benefits, Michigan motorists gave up the right to sue in auto accidents except when someone is killed or very seriously injured. Because of this, disputes over who was at-fault in an accident will not hold up payment of medical bills. Michigan is unique in that damage to vehicles also falls under the no-fault system. This, too, saves time and money in claims payment. Michigan drivers must buy collision and/or comprehensive insurance to cover damage to their own car.

WHAT DOES MICHIGAN NO-FAULT INSURANCE REQUIRE?

Michigan law requires no-fault insurance. Every registered car must be insured. Every car owner must buy basic coverage in order to get license plates. It is a misdemeanor in the state of Michigan to drive or let your car be driven without basic no-fault coverage.
For more information please review the Michigan consumer’s guide.

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WHAT ARE THE MICHIGAN WORKERS COMPENSATION LAWS?

Nearly all employers in Michigan are subject to the Workers’ Disability Compensation Act. The law requires that every covered employer must provide some way of assuring that benefits are paid to workers if they become injured while on the job. Most employers do this by purchasing an insurance policy from a private insurance company.