What Flushing Drivers Should Know About Michigan’s No-Fault Insurance

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Driving in Flushing, MI means taking on all the legal responsibilities of operating a motor vehicle on local roads. Learn how Michigan’s no-fault insurance system affects Flushing drivers from the professionals at the Vernon Agency.

According to recent changes in state laws, Michigan drivers must carry a minimum level of insurance called “no-fault insurance.” This state-mandated insurance coverage consists of three key components that ensure all drivers are financially protected in an auto accident – regardless of who is at fault.

No-Fault Insurance Basics

The no-fault insurance system in Michigan is designed to protect all drivers on the road when accidents happen – regardless of who is at fault for an auto accident.

Component #1. Personal Injury Protection – PIP

The first component of Michigan’s no-fault insurance provides a financial layer of protection for drivers who have been injured in an accident. PIP insurance can help cover the costs of medical expenses, lost income, and even household services required due to an accident.

Component #2. – Property Protection (PPI)

Property protection insurance helps offset the cost to other people’s property in an auto accident. This protection is designed to shield drivers from the costs of repairing or replacing damaged property like fences and buildings. It does not cover the cost of repairing or replacing vehicles.

Component #3. – Residual Liability, Bodily Injury, and Property Damage

The third level of no-fault insurance in Michigan is designed to protect insured drivers from the high out-of-pocket costs that can arise from a head-on collision, side swipe, or other auto accident.

Learn how to get the right auto insurance coverage when you contact the Vernon Agency in Flushing, MI, today!

Does Your Company Need a Commercial Insurance Policy?

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Navigating Commercial Insurance for Your New Company

As someone starting a new company, you’re probably brimming with questions, especially about legalities and protection for your business growth. One crucial aspect to consider is getting a commercial insurance policy. Understanding whether your company requires this coverage or not can be tricky. However, if you are situated in the Flashing, MI area and need guidance regarding coverage options, Vernon Agency is here to provide definite answers.

Why Do Most Companies Need Commercial Insurance Policies?

A commercial policy is essential for most companies as it safeguards their premises and equipment. Additionally, it eases hardship in scenarios where an employee or a customer lodges a claim against your business. But remember, if you’re a solo entrepreneur working from home, you may not require an insurance policy. We recommend consulting an insurance agent to understand your specific rights and responsibilities.

Choosing the Right Coverage

Our devoted agents at Vernon Agency can furnish quotes from various insurers, enabling you to select the option that best accommodates your needs. There’s no justification for jeopardizing your new business when you can secure comprehensive protection suiting your workflow and the nature of your company. Collaborating with skilled professionals can set your company on the path to success.

Get in touch with us at Vernon Agency today if you’re in the Flushing, MI area and seeking a commercial insurance policy. We’re here to help you ascertain whether you need one and to choose the best policy for your unique situation. Let us be your trusted partner in safeguarding your business for the long term.

Should I Update My Home Insurance Due To Remodeling?

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Remodeling or renovating a home takes hard work and money, so it makes sense to protect yourself financially against damage or loss. Your home is subject to certain risks during the remodeling process, and since most remodeling projects increase a home’s value, you should discuss the planned changes with your insurance agent. It is best to have a conversation before the work begins. If you live in or near Flushing, MI, consider working with our Bachmann Insurance Agency team for all your insurance needs.

Remodeling and Renovating Increases Your Insurance Risk

Home insurance protects our property against damage and injuries that can occur to or on it, and homeowners must recognize that their risks increase during the home improvement process. Workers may be on site, materials and tools are stored on the property, and projects often involve changes to electrical, plumbing, and other systems that can cause damage if not completed correctly. The increased risks during the remodeling process are why many insurance policies require homeowners to notify their agents before a remodeling project.

Completed renovations commonly increase the home’s value by adding square footage, new cabinets or appliances, and many other upgrades. On the other hand, electrical and heating system upgrades can reduce the likelihood of certain damage, leading to reduced risk and lower insurance premiums. So, whatever your plans, speak with your agent before starting a project.

Protecting Your Home with the Bachmann Insurance Agency

Remodeling a home involves financial and emotional investment, so protecting your assets is critical. If you live in or near Flushing, MI, consider working with our Bachmann Insurance Agency team to obtain the needed home and other insurance protection. Please stop by the office or call us today at (810) 230-1375.

Navigating Health Insurance With Chronic Illness

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If you or a family member in Flushing, MI have a chronic health condition, choosing a health insurance plan can be challenging. Many patients with chronic needs require regular checkups and medication. Due to these higher care requirements, some insurers may not be willing to cover your needs. However, Bachmann Insurance Agency can help you find the best health insurance policy to suit your chronic care needs.

Managing Chronic Diseases

Thanks to the Affordable Care Act, insurance companies cannot deny you care or cap the amount of lifetime benefits you receive. Nonetheless, policies may differ, including deductibles and monthly premiums. It’s crucial to carefully examine the various health plans you’re considering, specifically which chronic diseases are covered and what procedures the plan will pay for if you need care. You will also want to check which prescription drugs your potential plan covers. If you require an expensive drug that a provider does not cover, it might be in your best interest to consider another plan.

In-Network Coverage

Another benefit of the Affordable Care Act is that no insurer can deny you coverage. However, you must evaluate other benefits, including premiums and deductibles, to determine which plan best suits your needs. If your condition is well-managed through medication, you may need a more comprehensive prescription coverage plan. Furthermore, it is essential to determine whether the doctors treating you are within the plan’s network. Seeking treatment outside the network can result in added expenses. Thus, it’s crucial to determine your healthcare needs before selecting a plan.

With your healthcare needs in hand, trust Bachmann Insurance Agency, serving residents of Flushing, MI, to find the best healthcare plan for your needs. Contact our office today to get started on finding the most economical plan for you.

Additional coverage you may want beyond basic auto insurance

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The basic auto insurance coverage required by the state of Michigan is known as 50/100/10. This refers to $50,000 for injury to a single person in an accident, $100,000 for all injuries in the accident, and $10,000 for property damage. At Bachmann Insurance Agency in Flushing, MI, we strive to ensure all our customers have the proper auto coverage for their needs.

Collision

Collision coverage helps pay for the damage to your vehicle in the event of an accident where you are at fault after a deductible has been paid. If you have a leased vehicle or a car loan, you are required to carry both collision and comprehensive coverage to protect the vehicle.

Comprehensive

Comprehensive coverage pertains to damage to your vehicle that is beyond your control. It covers incidents such as flooding, hail, high winds, vandalism, and theft, with a deductible attached.

Gap coverage

If you have a new car with a car loan and the car is totaled, your coverage may not pay as much as you still owe on the loan. Gap coverage fills the difference between what you owe and what you receive.

Rental car

Rental car coverage provides a rental vehicle if your car is damaged or totaled. It only applies to instances when your vehicle is out of service due to damage and does not extend to vacation rentals. It facilitates the availability of a car for a limited number of days.

Full glass

Your comprehensive insurance includes glass coverage but requires you to pay a deductible. However, if you choose full glass coverage, you get a replacement windshield without a deductible. The service can even come to you for a replacement.

If you would like to discuss your insurance needs, call Bachmann Insurance Agency in Flushing, MI, or visit our office.

Do I Need To Update My Commercial Insurance When I Acquire New Assets?

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You buy commercial insurance to protect your business against unforeseen events, and your protection should be updated when your business changes. Business growth or decline, relocation, or acquiring new assets require updating your insurance protection. Contact the Bachmann Insurance Agency team serving Flushing, MI, to confirm that your commercial insurance adequately covers your business.

Changing or Acquiring Business Assets

When you acquired your policy, you structured your original commercial insurance plan to protect the value of your business. It reflected the current state of your business and its assets. However, businesses grow, acquiring additional equipment to manufacture products or better serve their customers. Likewise, businesses hire new employees who need extra tools, office equipment, or vehicles. Businesses also move into new quarters or add inventory, so the mix and value of their business assets change, resulting in the need to revise their commercial insurance.

Protecting Your Assets

As a business owner, it is important to review your commercial insurance with your insurance agent at least once per year and whenever you experience a significant change in the value of your assets. After all, if the assets are worth acquiring, they are worth protecting against potential risks.

The meeting should be straightforward, assuming your books reflect your current fixed assets, inventory, vehicles, and facilities. Keeping your commercial insurance plan current will help you sleep at night, knowing your assets have protection against unfortunate events.

Keep Your Commercial Insurance Up to Date with Bachmann Insurance Agency

The Bachmann Insurance Agency team expertly serves the Flushing, MI, personal and business community. We can help you create and update an insurance plan to protect your assets. Call us today at 810-230-1375 to discuss your personal or commercial insurance options.

Overlooked Home Insurance Coverage Features

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Understanding Home Insurance in Michigan

While Michigan law doesn’t mandate homeowners to carry home insurance, it is favored by lenders and can significantly enhance your odds of securing financing. Your lender is likely to request evidence of home insurance.

To satisfy this requirement, Bachmann Insurance Agency can guide you beyond the basics and help you assess essential coverage you might otherwise miss. Here’s why home insurance is integral in Michigan:

1. Reflecting on Flood Protection

With a vast floodplain, Michigan homeowners need to be prepared. To assess your flood risk, visit the state’s flood map. Particularly, Flushing, MI bears a higher risk, marking the importance of flood coverage in the home insurance spectrum.

2. Boosting Disaster Protection

While home insurance covers some natural disasters, not all are included. Michigan often battles tornadoes and windstorms more frequently than other states, making it necessary to tailor your policy for such situations.

3. Addressing Sewer Damage

Your standard policy might not specify coverage for damages due to a sump pump or main water line malfunction. Certain situations might necessitate supplementary protection, especially when caused by natural disasters.

4. Safeguarding Personal Assets and Valuables

While your homeowner’s policy might cover the structure and some fixtures, valuable personal property like jewelry, collector’s coins, or precious art might require an added layer of insurance.

5. Considering Other Essential Coverage

Areas like a home office might be considered a commercial space, necessitating a commercial policy for the equipment housed there. Additionally, your home’s liability insurance could cover injuries sustained by someone on your property.

Get in Touch

Get in touch with Bachmann Insurance Agency in Flushing, MI. We are ready to aid you in unraveling the complexities of home insurance.

Women’s Health Insurance Needs

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Navigating insurance needs for women in today’s world can be challenging. Here at Bachmann Insurance Agency, serving Flushing, MI, and the surrounding areas, we understand the unique health needs of women and are here to help you understand the insurance coverage necessary for you and your loved ones’ care.

Understanding Your Coverage

As with any insurance, coverage can change from state to state, making it crucial for one to understand the available insurance coverage in their particular area. This is especially true for women’s insurance. There are so many health screens a woman needs to go through during her lifetime, such as regular check-ups, preventive screenings, gynecology screens, and maternity care. With all these health screens, it is essential to understand exactly what one’s insurance policy covers and doesn’t cover. 

Maternity and Reproductive Health

As one can imagine, having the right coverage is crucial when it comes to having a baby. This is a life-changing event for women and having the right insurance plan will help relieve the stress during this exciting time for a woman. Especially if she is going through treatment to have a baby. During this time, our team can help clarify these aspects of your insurance plan, providing peace of mind during these important life stages.

Contact Bachmann Insurance Agency today!

If you’re interested in learning more about women’s health insurance options or need help evaluating your current coverage, we’re here for you. Bachmann Insurance Agency is dedicated to serving the Flushing, MI area, and we’re ready to help you find the right insurance solutions for your health and well-being. Contact us today to start the conversation and take the first step toward peace of mind in your healthcare coverage.

Flushing’s Future Drivers: Auto Insurance for the Next Generation

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When Flushing, MI residents are in need of valuable tips and pointers, they contact Bachmann Insurance Agency. Our team of experienced insurance agents is able to take all of the guesswork out of finding the best auto insurance policy. This is especially crucial for parents who are looking to ensure their teenage drivers. Thanks to this guide, you are able to find the best policy for your future driver far more easily than ever before.

Consider Bundling Policies

By choosing the same carrier for all of your policies, you are able to avoid many of the usual difficulties and obtain the best possible policy for your young driver. The average teenager is not going to be able to get a policy on their own, and that’s where parental research comes into play. A Flushing, MI homeowner may even be able to bundle their residential policy with their auto insurance policy to make life even easier for themselves.

Change Coverage As They Age

Let’s say that a parent has decided to obtain coverage for their teenagers while they are in high school. This is a great place to start, and coverage should be changed as the child grows older. This is a crucial step to take for parents whose children will not be driving regularly while they are at college. If the child is only driving on school breaks, the policy should be tweaked accordingly.

Carefully Consider The Vehicle Choice

This should go without saying, but the car that you choose for your young driver should be reflective of their level of experience. Clunkers are always going to be easier to insure than the more flashy options that are available.

Flushing, MI, parents who are looking to find out more about auto insurance policies for their future motorists are more than welcome to contact Bachmann Insurance Agency. We have the experience and know-how that you need in your corner.

Steps to Buying Commercial Insurance

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When you own a business, you’ll want to get commercial insurance to protect your business’ assets. Many things can jeopardize your business assets, so your best hope is to purchase a commercial insurance policy covering any damage or liability. If you live in the Flushing, MI area, we invite you to contact our team of insurance professionals at Bachmann Insurance Agency. We can explain the different commercial insurance policies available and let you find the necessary insurance.

Steps to Buying Commercial Insurance 

If you’re wondering about how to buy commercial insurance, here are some simple steps that can make it easy. Begin by considering the type of natural disaster which could damage your business. For example, if you’re in an area prone to tornadoes or earthquakes, you should consider getting enough property insurance to protect against damage from those conditions. 

Once you know the types of occurrences you need to protect your business against, you should shop around for a reputable agent. Bachman Insurance Agency has provided professional services and insurance guidance to residents in the Flushing MI, area since 2001. If you already have a commercial insurance policy, it’s essential to re-evaluate your coverage once a year. Your business and insurance needs can change, so your coverage may also need to change. 

Call Us Today to Discuss Your Insurance Needs 

Businesses need property and liability insurance, but you’ll also need to protect your employees with workers’ compensation insurance. At Bachman Insurance Agency in Flushing, MI, we can explain these insurance options in detail and help you see how they fit your company’s needs. We can answer all your questions and examine your individual needs. Call us today to discover the suitable types of insurance for your company.