Category: Auto Insurance

Behind the delivery service revolution are fleets of vehicles operated by dedicated drivers in the West Bloomfield, MI area, and the smooth functioning of delivery services relies significantly on the protection offered by auto insurance.

Recognizing the Importance of Auto Insurance

Auto insurance is a specialized category of coverage designed to shield businesses and individuals from multifaceted risks and liabilities. For delivery services, which depend on their fleet to meet customer demands, auto insurance is not merely a legal requirement; it’s a fundamental aspect of responsible business management.

Key Advantages of Auto Insurance for Delivery Services

• Liability Protection: Delivery services have daily interactions with the public for delivering food, parcels, or passengers. Auto insurance provides liability protection, ensuring delivery services remain financially secure when accidents or claims occur.
• Vehicle Safeguard: Auto insurance offers coverage for physical damages incurred by vehicles, including repairs or replacements needed after accidents or other unforeseen incidents.
• Driver Coverage: Delivery services often rely on a mix of employed drivers and independent contractors. Auto insurance can be extended to protect employees and contractors, depending on the specific needs and structure of the business.
• Cargo Protection: Cargo insurance is an indispensable addition to auto insurance for delivery services transporting goods. It covers the damage or loss of cargo during transportation, ensuring that the value of the goods remains intact.

Customized Policies for Tailored Solutions

Delivery services come in various forms, each with unique requirements and risks. Auto insurance providers recognize this diversity and offer customized policies that can be adjusted to address the specific needs of each delivery service.

Phil Klein Insurance Group Can Help You

At Phil Klein Insurance Group, we can help answer questions concerning auto insurance. We serve the West Bloomfield, MI area. Contact us today. 

Do you live in or near West Bloomfield, MI? If you are a driver, did you know it is against the law to drive without insurance? See the Phil Klein Insurance Group for a quote to ensure your protection.

Only New Hampshire and Virginia do not require drivers to have car insurance. It is unlawful in the other 48 states to drive without it.

If you cause an accident, you may be held responsible for any costs relating to it. Therefore, car insurance provides financial protection. It may cover an injured person’s medical expenses or their lost income if they cannot work and any legal fees that may result. Liability coverage can help pay for these expenses.

Most auto insurance policies include personal injury protection, bodily injury liability, property damage liability, comprehensive, collision, and uninsured or underinsured drivers.

Liability coverage protects you if you are at fault and cause damage to others and their property. Collision coverage protects your vehicle if you hit another car or non-moving objects, such as a fence or tree. Comprehensive coverage pays for damage due to a weather events, strikes, riots, malicious acts such as theft or vandalism, etc. This coverage pays for damage to your vehicle if it is just sitting in your driveway.

You need to maintain a car insurance policy to remain legal to drive. Without it, you risk losing your driver’s license and face hefty fines.

Don’t risk driving without this protection. The Phil Klein Insurance Group can answer any questions or provide a quote to get you started. Contact them today and protect your finances and driving record with this vital insurance. You will be glad you did.

You may question the benefits of carrying full coverage auto insurance if you don’t have a car loan. However, before you drop your insurance, there are certain things you should look into. Our West Bloomfield, MI team at Phil Klein Insurance Group is dedicated to helping you make the best insurance decisions when it comes to your vehicle. There are many things that motorists can consider when it comes to dropping full insurance coverage.

When Should You Drop Full Coverage?
If you’re insured for an amount that exceeds your car’s replacement value, you should consider dropping full coverage insurance. Plain talk, if your car was totaled and the payout would be significantly less than your insurance coverage, you probably don’t need full coverage auto insurance. You could also consider lowering your coverage amounts because you’re paying for more coverage than you actually need. However, there are a few key things that you can consider in making your decision. 

• You’re insured for more than your vehicle’s replacement cost.
• High Mileage Car
• You own your own vehicle. 
• Policy cost exceeds your budget

However, consulting with a Phil Klein Insurance Group team member can also help you make a final decision.

Another consideration is high-mileage cars. High mileage cars are usually cheaper to insure because the average life expectancy of a car is 200K. Purchasing full coverage insurance on a car with high miles is not wise because, often, the value of the car is far less than a full coverage policy. In this case, you’d be over-insured. Again, you can consider lower-cost options if you drive a high-mileage vehicle. 

The Cost
If you don’t have a car loan, and the cost of full coverage insurance is expensive, you should drop the coverage or seek more affordable options. Our West Bloomfield, MI team at Phil Klein Insurance Group is standing by to answer any and all questions you may have about full coverage insurance. Give us a call. Regardless of your situation, we can help you determine your best auto insurance options. 

Auto insurance is the service we need to protect ourselves and others if we’re in an accident. Because accidents can happen unexpectedly, you need to cover yourself before it happens. The auto insurance agents at Phil Klein Insurance Group, in West Bloomfield, MI, are available and want you to understand the basics of auto coverage and why you need it.

No-Fault Coverage

One of the main types of coverage that most states require is liability insurance. In Michigan, you’re required to have no-fault coverage. With no-fault insurance, you won’t be sued if you’re involved in an accident that is deemed to be your fault. There are certain situations that are excluded.

• If you cause an accident that results in someone being seriously injured or killed.
• If you hit someone who is a non-resident and their vehicle is not registered in Michigan.
• If you get into an accident outside of the state.

In these conditions, having no-fault insurance would cover some or all of the cost of medical bills, car repairs, and lost wages.

Three-Part Insurance System

In Michigan, the no-fault policy is made up of 3 parts.

• Personal Injury Protection (PIP) – pays for medically necessary expenses for you if you are injured in an accident. PIP has no maximum limits, except when it comes to missed wages or death payouts. The maximum for death payouts or missed wages is 3 years and is based on your possible earnings.
• Bodily Injury – helps pay for the medical costs if you cause an accident that injures someone else.
• Property Damage – covers you from having to pay for damage to physical property, such as parked cars or fences.

If you need to adjust your coverage and you’re in the West Bloomfield, MI area, stop by Phil Klein Insurance Group to speak with an agent.

Your auto policy covers a great deal in terms of damages to your car, including those damages that are not associated with an accident. There are some damages, such as damage from storms that is covered on your policy that does not relate to the car being in an accident. For those in the West Bloomfield, MI area, the agents with Phil Klein Insurance Group can help you go get your perfect policy.  

Your auto policy is not limited to covering only collision in most cases unless you have collision only coverage. A typical auto policy might cover damage from storms, vandalism, break-ins and more when it comes to repairs. Your car is a very important part of your life and making sure it is fully covered is a must. Another thing to consider is that most cars are also going to have coverage for contents and that you can tailor your coverage to fit the car you have and what you would like your insurance policy to do.

With your auto coverage, your car is going to be covered for those events that are not accident related if you choose the right policy. a Full coverage policy for instance also includes replacing windshields in some states, it may cover damage from things falling on your car, it may cover hair damage, water damage in some cases, and more. It is always helpful to speak with an agent if you are unsure about what your policy covers and about what type of coverage you might benefit from most in your particular case.

For those in the West Bloomfield, MI area, the agents with Phil Klein Insurance Group can help you to find the perfect policy for you and for your car.