Tips on Auto Insurance

United Insurance Agency of MI, is a full-service independent insurance agency, dedicated to providing you with the Best Service and Quality. If your insurance rates have gone up in the past, you might be PAYING TOO MUCH! You will never know if you are paying more than you need UNLESS YOU COMPARE. It's money that you are already spending that you may save.

Because insurance companies we represent continually review auto insurance rates and coverage

You can be sure you`re getting a competitive rate on your auto insurance policy.

Auto insurance is a contract that you have with an insurance company in which you agree to pay a premium,

and in the event of an accident, the company agrees to pay for your covered damages, as stated in your insurance auto policy.

It is important to understand the terms, premium, coverage and 'deductible' when shopping for

Auto Insurance Coverage

Term for auto insurance policy can be six month or one year

Insurance premium is the amount of money your insurance company charges you for a certain policy

Types of Auto Insurance Coverage

Liability coverage--If you cause an accident, liability insurance protects the other party involved.

Liability coverage covered bodily injury and property damage. Liability auto insurance is mandatory

It is a minimum coverage that requiring by Michigan state.

If you would like to have a full coverage you have to choose collision and comprehensive coverage’s.

Also you must choose a deductibles, it can be $250, $500, or $1000. Deductible means that it is

amount of money you responsible for repair or replaced your vehicle in case of accident.

Collision coverage

Collision pays for repairs or replacements your vehicle in the event of an accident.

Collision can be standard or broad. Standard collision means that in case of an accident you are

responsible for your deductible regardless of who is at fault. Insurance will pay for repairs or

replacements for vehicle(s) after the deductible. Broad collision means that if accident is not

at your fault, you are not responsible for your deductible for repairs or replacements of your car

Deductible is the amount you must pay out-of-pocket before the insurance company start paying

to cover the remainder.

Comprehensive coverage

Comprehensive coverage`s cover theft, fire, vandalism and storm damage.

Uninsured / Underinsured Motorist coverage

Uninsured / Underinsured Motorist coverage protects you and other passengers in your vehicle

if you are injured in an accident by a motorist who is uninsured and held legally responsible

for your injuries. It pays the medical expenses and related expenses you have incurred up to

the coverage limits you select.

Roadside Assistance coverage

Roadside Assistance coverage included towing expenses and rental car reimbursement

We also offer motorcycle, off- road vehicle and bout insurance policies.

General Acceptability

Cruisers, touring bikes, limited production cruiser, dirt bikes, sport bikes, ATVs,

mopeds, scooters, golf carts, snowmobiles.

Liability coverage only and full coverage are available


Special Coverage`s: Accessory Coverage provides $3,000 coverage for no extra premium.

Additional coverage may be purchased providing coverage up to $30,000. Includes helmet

and safety riding apparel for collision only (theft is not covered).

Disappearing Deductibles-Deductible reduced by 25 percent following each claim free

Medical payments available up to $25,000. Roadside Assistance-24 hours a day, 7 days

a week; now available for liability only policies. Includes Tow Vehicle.

Boat/personal water-craft. General acceptability

Boats up to 50 feet in hull length and up to $ 350,000 in value

Personal water craft up to $ 27,000 in value. Boats up to 75 mph

Boats up to 500 horsepower single engine and up to 1,000 horsepower dual engines

Navigation Areas: Inland Lakes, rivers, and waters with 75 miles of the coast

of the US & Canada; 125 mile navigational limit endorsement available

Speciality Coverage`s

Actual Cash Value (ACV)- Pays lower of ACV or Rating Base

Agreed Value (AV)- Pays Rating Base in event of total loss

Total loss replacement (TLR)- Replaces current boat with new boat

Disappearing Deductibles- Deductible reduced by 25 percent following each claim-free

policy period. Included with TLR and AV. Now available to purchase with ACV coverage

Primary Fishing Equipment Coverage- $ 10,000. Primary Replacement Cost Personal Effects-$5,000

Roadside Assistance- 24 hours a day, 7 days a week Emergency Towing (on water) available

limits $300,$500, $1,000, $2,500 per occurrence for boat and PWC

Medical Payments available up to $ 10,000

Fuel Spill Liability- Coverage for unintentional oil or fuel spills that result in bodily injury

Medical Payments available up to $ 10,000or property damage

Wreckage Removal- Pays reasonable costs inccured by insured for any attempted raising

removal or destruction or the wreckage; included with Comprehensive and Collision Coverage

or Liability Coverage when required. Water Sports Coverage - Automatically included when

Liability and Medical Payments Coverage`s are purchased. Water sports coverage covers bodily

injury or property Coverage`s are purchased. Water sports coverage covers bodily injury or property

damage cause by persons towed by a covered vehicle for water sports such as water skiing,

knee boarding, wake boarding, and tubing.

Uninsured Boaters- Pays a covered person occupying a boat or PWC for bodily injuries cause

by the owner or operator of an uninsured/underinsured boat or PWC

Pet Injury Coverage included with comprehensive and collision- up to $ 1,000