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Consumer Rights for Michigan Drivers

Posted on May 30, 2025May 20, 2025 by admin

As a Michigan driver, you are legally required to have auto insurance. Many drivers have questions about insurance. If you are in the Muskegon, MI area, our team at Janis-Shunta Insurance invites you to discuss your insurance requirements with one of our team members. We’ve been working with drivers like you since 1994.

Consumer Rights for Michigan Drivers

According to the Michigan Department of Insurance and Financial Services, the Michigan Insurance Code grants you the right to pay benefits from your insurance. If you must file an auto insurance claim, the insurance company is legally required to acknowledge your claim within 30 days and let you know if further information is needed. The company must pay whichever part of the claim is supported by the proper information. As soon as the rest of the information is received, the insurance company must pay the claim amount balance as soon as the required documentation is received.

Once all of the supporting documentation is on file, if your auto insurance claim isn’t paid within 60 days, the claim payment is considered overdue. Properly documented PIP (personal injury protection) claims are due within 30 days. According to the Michigan Department of Insurance and Financial Services, interest on overdue auto insurance claims may be eligible for payment of 12% interest.

Contact Us Today for Your Appointment

Safe drivers are less likely to have an auto accident, but no one is immune to damage caused by other drivers. Our team at Janis-Shunta Insurance is looking forward to meeting you and talking to you about insurance. Muskegon drivers have learned they can trust our agents for up-to-date information and excellent support. Call us today to learn how easy we are to work with.

What to Ask Your Agent About Updating Your Auto Policy

Posted on December 23, 2024December 16, 2024 by admin

If you live in the Muskegon, MI, area and want to update your auto insurance policy, Janis-Shunta Insurance can help. We understand the importance of quality auto coverage and know that the proper updates can significantly improve protection and peace of mind. Asking the right questions can help ensure you get the best policy updates for your needs.

Do I Need to Add a Driver?

If you have a new teen driver in your home or someone has moved in with you, adding them to your policy is important. This is also true if you got married or experienced other life changes, which means there are different drivers in your home now. It’s important to ensure they’re covered if they drive your car.

Should I Change My Coverage Limits?

Another good reason to get an update is to adjust your coverage limits. You may want to increase them for added protection or decrease them on an older vehicle that has not been driven much. It’s entirely up to you if your coverage meets state minimum requirements and any lender requirements if your car is financed.

How Often Do I Need an Update?

You should generally review and update your auto policy once per year, or anytime you have a change in your household. That includes moving, adding a driver, changing vehicles, or other significant adjustments that could affect your policy. If you’re not sure whether a life change needs an update, asking your agent for their advice is the right choice.

Where Can I Go for Help?

Contact us at Janis-Shunta Insurance today if you’re in the Muskegon, MI area and looking for an auto insurance update. We’re here to help you make the proper updates to your polic so you can confidently drive.