Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Michigan Insurance Guide

If you drive an American car, chances are pretty good that it was made by a resident of the state of Michigan. While this state has been economically depressed for a number of years, its insurance regulations are evolving to create a fertile environment for businesses and individuals.

Michigan Auto Insurance

Michigan auto insurance regulators require personal injury protection (PIP) but no uninsured motorist protection in this at-fault state. They also require a minimum of $10,000 in property damage liability, $40,000 for multiple bodily injury liability and $20,000 for single bodily injury liability.

Michigan Health Insurance

Michigan health insurance regulations do not force insurance companies to cover pre-existing conditions in individual policies, but they do offer an insurer of last resort (Blue Cross Blue Shield). That insurer must insure the state’s uninsurable. After 24 months, all HMO’s in the state must offer a guaranteed issue policy to a restricted number of applicants during a single 30-day period. The state also allows state income tax deductions for health savings account (HSA) contributions.

Small groups in Michigan can get group health insurance as long as they have at least 2 employees. Insurers are not permitted to exclude pre-existing insurance when Michigan health insurance is offered to a group and rates are protected by rate bands, although non-profit hospital and service plans can use adjustable community rates.

Michigan Home Insurance

Michigan home insurance rates are currently determined in part by the applicant’s credit score, although there is some legislation pending that may change this practice. Since the state does not require its homeowners to carry insurance on their largest investment, the removal of credit score as a rate factor may increase the number of homes that are covered. Michigan home insurance shoppers present and future should make sure they get adequate coverage for tornadoes.

Michigan Life Insurance

When Michigan life insurance companies go out of business, they no longer have the capacity to pay the claims and cash surrender requests of their policyholders. The Michigan Life and Health Insurance Guaranty Association (created in 1956) was formed for the purpose of stepping in to pay certain benefits to these displaced policyholders. The maximum amounts the association will pay are $300,000 for a death benefit and $100,000 for cash surrender values.

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