Homeowners Insurance

I just had my cedar siding replaced with vinyl siding. Will this reduce my homeowner's premium, or raise it?

Since vinyl is a lower-risk building material than cedar, it is more likely that your homeowners premium would reduce rather than increase. For more information, call your insurance company’s customer service line to see if they will adjust premiums for the building change.
Dec 2, 2020 Kalamazoo, MI

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Eligibility

Am I covered for an accident if my policy had lapsed while without an Uber passenger?

Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.
Jul 2, 2020 Lincoln Park, MI

Driving History

My insurer says I have past speeding tickets, but I've never had one. How do I address false and inaccurate citations on my record?

I think it's worth trying to resolve it because a better driving record can help your rate quite a bit. If multiple insurance companies are showing that you have these tickets, then I would call the state and see what they have on your license — this could simply be an error.
Sep 23, 2019 Garden City, MI

General Insurance

Should both my girlfriend and I be on the car title?

I would only put the title in one name — whoever will own and register the vehicle. Putting two people on the title may only complicate things unnecessarily and make it harder to sell.
Aug 21, 2019 Grand Ledge, MI

Eligibility

My "totaled" car was barely damaged. Is it still possible to get full coverage on it?

Hello, Car insurance companies typically total a car when it costs more to repair it than what the car is worth. Since it has already been totaled, it's highly unlikely that a car insurance company would be willing to give you full coverage (comprehensive and collision) for a rebuilt title vehicle.
Aug 18, 2019 Gladwin, MI

General Insurance

In Michigan is there a grace period to get insurance on a vehicle when you buy it?

He would need to get insurance to before he drives the vehicle. There is no grace period in Michigan.
Apr 5, 2019 Rogers City, MI

Homeowners Insurance

How does insurance replace or compensate for damage to custom artwork?

This question is very specific to your homeowner's policy. Your agent will be able to tell you what type of coverage you have and the adjuster will be able to tell you how much they will pay to repair the damages.
Oct 21, 2018 Oxford, MI

Coverage & Claims

Does state farm require you have a police report to file a claim?

Most companies do not require you to have a police report to file a claim. Double-check with State Farm to make sure but you shouldn't have any problems.
Sep 26, 2018 Chesterfeild, MI

Coverage & Claims

Will my premium go up if I file a claim where other guy was at fault.

When your insurance pays out on a claim, it can impact your rates for up to five years. Since he was at fault, they may not go up as much as they would if you were at fault.
Sep 10, 2018 Rochester Hills, MI

Homeowners Insurance

Does home insurance cover damage to mural after leak?

This question is very specific to your home insurance policy and thus difficult to answer. Your insurance agent will be able to tell you what type of coverage you have and the adjuster will be able to tell you how much they will pay to repair the damages.
Aug 29, 2018 Oxford, MI

Coverage & Claims

Lying about the primary driver on a car insurance policy wrong

It is considered illegal to lie about who the listed primary driver is and who actually drives the car most frequently. Depending on the situation, it can either be classified as a misdemeanor or a felony.
Jul 13, 2018 Detroit, MI
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