📞 231-737-0000

Insurance Blog

Tag: Muskegon

Travel Trailer Coverage for Winter Damage

Posted on by admin

Anyone who owns a recreational vehicle hates to see the winter months come. Putting your vehicles away for the next season means taking steps to protect them. If you have a travel trailer you use and rely on, you might expect that your recreational insurance policy will cover any losses you have with it. But that may not always include winter damage.

At Janis-Shunta Insurance, we offer recreational insurance in and around Muskegon, MI that aims to meet all of your needs and minimize your financial risks.

Will Recreational Insurance Cover Winter Damage?

In many situations, recreational insurance provides a level of protection against unavoidable and accidental incidents. If the travel trailer is stored properly, but a roof collapses, causing damage to it, or someone breaks into it, and that leads to winter damage, you can expect your comprehensive coverage to pay for those losses up to the value of your policy. Keep in mind, there are limits to this.

These policies do not cover normal wear and tear. That means if the damage is due to a lack of sealing and protection, and not just from a winter accident, that may impact your ability to receive compensation for the losses. It also depends on the type and the value of coverage you have for your vehicle. If your policy does not offer comprehensive protections, and only has the minimum required liability insurance, you may not have the financial protection you need.

Discuss Your Needs With Our Insurance Adjusters

At Janis-Shunta Insurance, we offer a range of policies to meet your needs. When you are shopping for recreational insurance in or near Muskegon, MI, let us help you compare options to be sure you have the coverage type and amount that fits your specific needs and keeps you safe from risks.

How an Umbrella Policy Enhances Your Existing Insurance Policies

Posted on by admin

Insurance is a great way to protect your assets, and each policy is usually enough to take care of the item that’s insured. But sometimes, an individual insurance policy doesn’t provide enough money to carry a claim, leaving you to pay out of pocket in a lawsuit. At Janis-Shunta Insurance, serving Muskegon, MI, we want you to understand the benefits of having umbrella insurance. Read on to learn more about how this policy extends the protection of your existing policies. 

Getting More Out of Your Current Insurance Policies With Umbrella Insurance

Your individual insurance policies have maximum payouts that differ, but are in keeping with what they cover. However, those limits can be exhausted quickly. An umbrella insurance policy extends those limits to a higher amount, typically $1 million or more. It also addresses claims that may not be covered under other liability policies. 

Umbrella Insurance Offers Extra Protection

You can also gain protection from personal liability issues, such as injury to others, some lawsuits, and property damage. If you own a dog, you can get more coverage in case the dog attacks someone. You can get coverage for libel or slander if you’re sued for a comment on social media. Lastly, an umbrella policy can extend your coverage limits for a teen driver. 

Contact Us To Find Out More About Umbrella Insurance

Get in touch with our agents at Janis-Shunta Insurance to find out more about how this type of policy protects you and your assets. We’ll go over your insurance portfolio with you and show you how you can benefit from umbrella insurance. You can set up an appointment to meet with us and explore all of your options. We’re currently serving Muskegon, MI.

How to Claim Medical Expenses on Auto Insurance Policy

Posted on by admin

Michigan drivers have unique protections when it comes to auto accidents, thanks to the state’s no-fault insurance system. That system means medical expenses after a crash are often handled differently than in other states. Knowing how to file a claim and what to expect makes the process less stressful when an accident happens.

Understanding Michigan’s No-Fault Rules

Under Michigan law, your own auto insurance through Janis-Shunta Insurance serving Muskegon, MI typically covers medical costs after a crash, regardless of who caused it. The coverage level depends on the medical benefits you selected when you purchased your policy. Some drivers choose unlimited coverage, while others pick capped amounts to save on premiums. Understanding your limits up front is important, since it directly affects how much of your expenses will be covered.

Filing a Claim for Medical Bills

After an accident, the first step is notifying your insurance company as soon as possible. Most insurers require you to file a written application for no-fault benefits, usually within a year of the accident. Along with the form, you’ll need to provide documentation such as hospital bills, doctor’s notes, and proof that the treatment was related to the crash. The more thorough your paperwork, the faster the claim tends to move.

Working With Providers

In many cases, medical providers in Michigan will bill the auto insurer directly. Still, it’s smart to keep copies of every record and receipt. If there’s ever a dispute or a delay in payment, having a full paper trail helps protect you.

Accidents are stressful enough without worrying about medical bills. By understanding your no-fault coverage and staying organized with the claims process, you can make sure the benefits you’ve paid for actually work when you need them. Questions? Contact Janis-Shunta Insurance serving Muskegon, MI for personalized help!

Consumer Rights for Michigan Drivers

Posted on 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 Can You Protect With Recreational Insurance?

Posted on by admin

Do you enjoy outdoor activities? Are you the proud owner of recreational vehicles such as boats, RVs, motorcycles, or ATVs? Then it is imperative to protect them with recreational insurance. Janis-Shunta Insurance, located in Muskegon, MI, provides comprehensive recreational insurance coverage to help protect your toys. Discover more about what’s protected with recreational insurance and why it is crucial to have adequate coverage.

Boats and Watercraft

Boating is a popular recreational activity in Michigan but can be risky without proper coverage. Boats and watercraft are susceptible to accidents, theft, and damage, which can be expensive to repair or replace. With RV insurance, you have protection for your boat, jet ski, or other watercraft against these types of losses.

RVs and Motorhomes

RVs and motorhomes are like a home away from home, providing comfort and convenience while traveling. But just like your primary residence, they need to be protected from damage and theft. Recreational insurance offers coverage for your RV or motorhome against accidents, theft, and natural disasters and offers liability coverage.

Motorcycles and ATVs

Motorcycles and ATVs are popular recreational vehicles that are expensive to repair or replace if damaged or stolen. Often they are left out in the open, leaving them susceptible to the outside elements and dangers like someone driving off with them. Recreational insurance will give you coverage for your bike or ATV against unexpected damages, crashes, or if it’s stolen. It also includes the necessary liability coverage.

Reach Out to Our Team

As a responsible owner of recreational vehicles, it is crucial to have adequate insurance coverage. Janis-Shunta Insurance, located in Muskegon, MI, will help you find the right recreational insurance coverage for whatever equipment you have. Don’t risk losing your investments due to accidents, theft, or other unexpected events. Contact us today to learn more about the different types of policies and get the right coverage for your needs.

Archives

Categories