Health insurance can save you a lot of money and keep you from financial ruin in the event of a severe illness or accident. It also helps you get the care you need in a timelier manner, reducing the risk of further health complications. 

Health insurance also has other perks, like coverage for prescription medications, vision care, and dental care for your family. Having health insurance can also reduce your overall stress level since you no longer have to worry about how you will pay for a serious illness or accident. For inquiries in West Bloomfield, MI, call Agency Advantage Insurance.

Why Do You Need Health Insurance? 

Health insurance can make it easier for you to pay for the medical care you require now and in the future. It can also help you avoid hefty medical bills if you get sick or injured and have to go to the hospital. It is essential to research the available plans to select the plan that is most suitable for you and your family.  

The cover allows you to receive the care you need to stay healthy without worrying about how you will pay for it. Additionally, it pays for a sizeable portion of the cost of any medications that require a prescription. If you have a serious illness and require frequent doctor’s visits and expensive treatments, insurance can help you afford the care you need. 

Health insurance can also make it easier for you to afford the treatment you require to maintain your health. Most importantly, health insurance protects you and your family if you ever face a major medical event like a car accident, serious injury, or illness. 

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While health insurance comes with various benefits, it can be costly and not affordable for most people, especially if you don’t have a job. It may also come with a long list of things you can’t see a doctor for, such as plastic surgery or laser eye surgery. For expert help, consult Agency Advantage Insurance. The firm serves in West Bloomfield, MI.

Are you one of the riders that stick to the state minimums when shopping for motorcycle insurance in West Bloomfield, MI? This move might save you some money, but it’s never a good idea, as you will find out from the below post by Agency Advantage Insurance.

Required motorcycle insurance in Michigan

To understand why state-required insurance is never enough, let’s explore the required insurance for bikers in Michigan. Motorcyclists are required to purchase at least $10,000 worth of property damage liability (PDL) in Michigan. On the other hand, riders must buy $50,000 bodily injury liability for an accident involving one person and twice the amount for accidents involving death or injury to more than one person.

While the above coverages might seem adequate, they are barely enough when faced with a significant claim. Unfortunately, when your liability coverages run out, you will have to cover the difference from your pocket! There is no fun when your assets and income are at stake.

State-required insurance doesn’t cover you

Another reason why you should explore beyond the state minimums is that liability coverage required by the state doesn’t protect you and your vehicle — it only covers other people. So, why would you pay for insurance if it doesn’t protect you and your assets? It doesn’t make sense!

At Agency Advantage Insurance, we usually advise our clients to increase the liability coverage limits and look at other options for optimal protection. We are not saying you buy all the motorcycle insurance options out there — just invest in those options that cover your unique needs.

Motorcycle insurance in West Bloomfield, MI

Need more information on motorcycle insurance? Ready to invest in motorcycle insurance? If your answer is yes to any of these questions, please reach out to Agency Advantage Insurance today.

In July of 2020, Michigan’s auto laws changed. Now, drivers who are deemed responsible for causing a collision that results in injury can be sued for damages over their PIP limits. That means drivers in West Bloomfield, MI are now at increased financial risk every time they get behind the wheel, and that’s where umbrella policies can help. 

What is an Umbrella Policy? 

Simply put, it is a protection against financial liability if a significant accident leaves you responsible for someone else’s medical payments. Medical expenses in serious accidents can add up quickly, and even if you carry PIP, that will cover those expenses only up to your policy limit. Some still have unlimited PIP, but for those who do not, an umbrella policy is a way to cover that risk. 

What Kind of Coverage is Available? 

In Michigan, you can get an affordable umbrella policy with a coverage of one million, five million, or even as much as ten million for a surprisingly low rate. This stacks on top of your existing liability limits to ensure that even a significant accident will not harm your financial well-being. Accidents happen; it shouldn’t ruin you. 

What Assets are Protected?

Since damages from a significant injury can be expensive and ongoing, it’s not just your bank account that’s at risk. An umbrella policy protects you from the loss of your home, cars, investments, financial accounts, and any future income you might make. 

What Kind of Injury Claims am I Liable For?

Not only will you be potentially responsible for the initial medical bills that someone you’ve injured incurs, but you will also be on the hook for wage loss and pain and suffering. An umbrella policy is low-cost protection for you and your family. 

When you are ready to discuss what kind of umbrella policy works best for you, call or stop by Agency Advantage Insurance.  

Umbrella insurance is an optional supplemental insurance policy that fills the gap not covered by your home and auto liability insurance. Here are six reasons why you need umbrella insurance now:

You have a teenage driver

Young and inexperienced drivers who are new to the road increase the likelihood of being involved in a car accident. Umbrella insurance will pay over and above your policy’s liability limits if your teenage child is involved in a car accident and damages their vehicle or injures another person.

You have a swimming pool

Homeowners can be sued if another person is injured on their property. This risk is greatly increased if there is a swimming pool on the property, which can lead to a fall or a head or neck injury.

You have a long commute

Long commutes and heavy traffic can be dangerous. Car accidents can result in serious injury or even death. Drivers, their passengers, their estates, or their families may sue for lost earnings, past, and future medical expenses, pain and suffering, and earning capacity.

You own a dog

If your dog bites another person or causes injury to someone else, whether on your property or off, you are held liable. This is where umbrella coverage can fill the gap between what your homeowners’ liability will cover and what you are being sued for.

Make sure though that there is no clause that states canine liability exclusion. 

You enjoy partying

Being a good host is all good and well until someone is injured on your property. Umbrella coverage can help fill the gap in your homeowners’ liability coverage. 

You own a trampoline

If you have kids and you own a trampoline, then there’s a possibility your children may invite their friends over to join in the fun. You will be held liable if someone is injured on your property and umbrella insurance can help.

Speak to an expert at Agency Advantage Insurance serving West Bloomfield, MI today to see what insurance policy is best suited for you and your family.

Classic car insurance is the type of insurance that provides coverage options tailored to the needs of classic vehicle owners. Shopping for classic car insurance may be more complicated than buying a standard auto insurance policy for your car. If you are currently looking for a classic car insurance policy but cannot make an informed decision, Agency Advantage Insurance serving clients in West Bloomfield, MI prepared a list of questions you should ask an insurance agent: 

What Should You Ask an Insurance Agent?

The answers to the following questions will help you determine which policy will be perfect for you:

How Many Years of Experience Are Drivers Required to Have

Some classic car insurance policies require drivers to have at least a few years of driving experience. Even if you are an experienced driver, and you have spent years behind the wheel, you still should ask this question. The answer to this question will help you understand who you can let drive your precious classic car. 

Is Appreciation Covered By The Policy?

Usually, standard auto insurance policies do not cover appreciation because cars do not appreciate – they depreciate instead. However, classic cars are different, and most classic car insurance policies will provide at least some coverage for appreciation. 

Will Coverage Be Active While a Classic Car Is Being Restored?

You need to make sure that your policy will provide coverage while your classic vehicle is being restored. You also need to find out whether your policy provides coverage where the restoration process is being done. Thus, you need to confirm that it will be covered regardless of the location of your vehicle. 

Agency Advantage Insurance – We Help You Find a Policy You Need and Deserve

If you are a classic car owner from West Bloomfield, MI or any other nearby area, and you are looking for an insurance agent to purchase an insurance policy for your precious vehicle, Agency Advantage Insurance is exactly what you need. Our mission is to help our clients find their perfect policy based on their preferences and personal situation. You can always check our website for more information or give us a call. 

A motorcycle can be a convenient means of transport in West Bloomfield, MI. You can quickly get around, running your errands efficiently while enjoying pleasant weather. However, to secure that investment, you should consider insuring it. And as Agency Advantage Insurance explains, here are a few coverages you can opt for when you decide to insure your motorcycle.

Bodily Injury Liability Coverage

It helps cover things like lost wages and medical expenses arising from the injury or death of another driver in an accident where you were at fault. However, if you get injured, bodily injury liability does not cover your medical bills, and so you should get a different policy for that.

Property Damage Liability Coverage

You may get into an accident where you are at fault and end up damaging someone else’s property, including a car, home, fence, or any other object. With this type of coverage, the repair costs are covered, and you do not have to go back to your pocket to cover those expenses. Note that this coverage will also not cover repairs to your bike.

Medical Payment Coverage

Medical payment coverage helps cover the necessary medical costs resulting from an accident in your motorcycle. Those medical costs covered can be for both you and your passengers.

Collision Coverage

It provides cover for your bicycle when it gets damaged in a collision, whether with another bike, a car, a tree, or a building.

Comprehensive Coverage

Comprehensive coverage comes in handy when your motorcycle gets damaged by any accident that is not a result of a collision. Therefore, damage caused by things like theft, wind, vandalism, and flooding is covered under this policy.

If you are having trouble deciding which coverage is necessary for you, contact us at Agency Advantage Insurance for assistance. Our team of experts in West Bloomfield, MI will see to it that you get the protection you need.

The risk of liability is something that all people in the West Bloomfield, MI area need to take seriously. Most people will need to continue to carry some forms of insurance coverage, including home or auto coverage, which will provide liability coverage. However, having the additional coverage provided with umbrella insurance is always helpful. There are multiple examples of why having this form of coverage will be helpful for someone in this area of the state. 

Coverage Provides Additional Coverage

A key benefit of having an umbrella coverage plan is that it will give you additional liability insurance coverage. Most people that are in this area of Michigan are going to have some liability support in their home or auto insurance plans. While this is often more than enough, there are policy limits to consider. If there is an accident that results in excessive damages, you may be responsible for damages that exceed your plan. With an umbrella policy, policyholders will receive coverage on top of those policies.

Coverage for More Risks

You may also want to have an umbrella coverage plan as it will give coverage for far more risks. Any standard home or auto insurance plan will give coverage for some situations, but there are many liability risks that are not protected by the existing plans. If you get an umbrella policy, you will receive more blanket coverage that will protect against other situations not covered in your existing plans. 

There are a lot of advantages that come with having umbrella insurance in the West Bloomfield, MI area. If you are in need of coverage here, speaking with the Agency Advantage Insurance team is a great option. Agency Advantage Insurance knows the importance of umbrella coverage and will help you choose a plan that offers the right protection. 

Keeping your family’s health on track involves a lot of different things. You want to make sure they are eating well, getting plenty of exercises, and getting the necessary medical treatment they need when they need it. This is where health insurance comes in. Having a reliable health insurance plan in place will help you provide medical services for your family when they need them. At Agency Advantage Insurance, serving West Bloomfield, MI, we make it our top priority to help families like you find the best insurance products. Keep reading to learn more about choosing health insurance for your family. 

Consider Your Budget

Health insurance plans come in many different types of packages. This means that they cost differently too. When you sit down with an insurance representative, they will be able to help you choose a plan that can accommodate your budget. 

Consider Your Family’s Health

One of the reasons that health insurance plans come in many different types of packages, is so that families can get the services they need and not worry about paying for services they do not need. If your family does not have serious medical issues, you can choose a basic plan that focuses on health maintenance. If your family does face many medical issues, you will want a comprehensive plan that will provide all of the services you need. 

Consider Timing

Health insurance companies require that you enroll in a new health insurance plan during open enrollment. It is important that you know when these dates are so that you can keep sufficient health insurance for your family. 

If you would like to know more about our services, please contact us at Agency Advantage Insurance, serving West Bloomfield, MI. 

Classic cars are a great hobby and a great investment. Some people even feel that their classic car hobby is helping to preserve a part of history. To make the most of your classic car investments, it is important that your vehicles be properly insured. At Agency Advantage Insurance, serving West Bloomfield MI we understand that in order to make the best insurance choices, you need the best insurance information. Keep reading to find out what you need to know about classic car insurance.

Isn’t Regular Auto Insurance Enough?

Although it is possible to cover your classic cars with a regular automobile policy, the truth is that a regular auto policy will not truly protect the investment you have made into your classic car. Regular automobiles are not valued the same way as a classic car would be. An automobile policy is based on the usual method of determining value. Classic cars need to be evaluated on an individual basis. This will entail documenting how much money was invested into the car and what the car would value to other classic car dealers. 

How Much Coverage Do I Need?

Because each classic car is very different, there is no one size fits all policy. This is why classic car insurance is done on an individual basis. The best way to determine how much insurance you need will be to sit down with a knowledgeable insurance representative to discuss your particular car. Our team will be able to help you value your car accurately to make sure the insurance coverage is sufficient. 

If you would like to learn more about classic car insurance, or any of our other insurance products, please contact our office at Agency Advantage Insurance, serving West Bloomfield, MI. We will be happy to answer your questions today. 

If you are in the West Bloomfield MI area, it will be very important for you to be able to get around the community. When you are looking for a fun and efficient mode of transportation, getting a motorcycle can be an ideal option. Along with your purchase of a motorcycle, you also need to get proper insurance for it. There are several situations when someone will need to have a full motorcycle coverage plan.

When Riding Motorcycle on Public Road

A common situation when people need to have a motorcycle insurance plan in Michigan is when they want to drive the motorcycle on a public road. Any motorist in Michigan is required to carry liability insurance. If you do not have this protection, you will be out of compliance with the law and will face penalization. If you get the proper motorcycle insurance you will get the coverage needed to stay in good standing.

Those that Have a Loan

You will also need to get motorcycle insurance if you have taken out a motorcycle loan. Anyone that is going to finance a vehicle with a loan will need to have insurance coverage with collision and comprehensive protection. Lenders always require you to have this as it protects their interest in your motorcycle. You may need to provide evidence of this coverage from time to time. 

There continues to be a lot of situations when someone in the West Bloomfield MI area will need to have motorcycle insurance. If you are going to get this coverage here, it would be a good idea to call Agency Advantage Insurance. The professionals with Agency Advantage Insurance understand the importance of this coverage. They can help you assess your options and give guidance as you are building your next plan.