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College Students - Back to School

Tuesday, September 20, 2016

 

 

 

 

 

The school year is fast approaching (we know, we’re sad, too) and in college that means moving from mom and dad’s basement to either a dorm room or an apartment. Heading off to college for the first time is exciting, emotional and, above all else, stressful. Have you packed everything you’re going to need for this semester? Is your roommate going to be tolerable? Will you make any friends the first week of college? Do you have the necessary insurance? Will your parents allow you to stay on the family’s auto policy?

Yes, insurance is still very important while you are away at college.  If you take your car to college it is important to keep it insured. College parking lots are filled with many 18 to 24 year old drivers. Door dents and fender benders are bound to happen. However, if you leave your car at home to avoid paying for a parking pass and becoming everyone’s favorite chauffeur, should you still keep it insured?  Leaving your car at home isn’t uncommon. Most students don’t bring their car their first year! Public transportation is made available on most campuses and being forced to walk to class can help you to get your steps in and keep the Freshman 15 at bay.

Here are a few tips regarding automobile insurance…

  • If you do bring your car to school something to look out for is a “good student” discount. Most of iSchuring’s insurance companies offer discounts for students. There are qualifications for this kind of discount, so it is important to understand what is necessary to receive this discount. Some insurance carriers require your transcript or signatures from your school as well.
  • If you leave your car at home you may be eligible for savings on your automobile insurance policy, as you won’t be driving your car daily anymore. One of iSchuring’s companies has a “student away at school” discount. It would reduce the rate of your auto policy for the car you would normally drive. This way, you don’t need to be removed entirely from the policy and you can still drive your car when you come home for long holiday breaks. Also, if you drive someone else’s car while away at school, you will still have auto liability coverage to protect yourself. 

While your car would likely be the largest thing you bring with you to college, it is far from the only thing you’re bringing. While a dorm room is typically only 12x12 you will somehow find a way to fit everything you own (and everything your roommate owns) into that tiny excuse for a bedroom. Laptops, gaming equipment, jewelry, clothing, décor and expensive textbooks could all be at risk, whether this risk is theft or damage. Do you have coverage for these items while you are at school?

Here are a few tips regarding your personal belongings…

  • While in the process of moving into your dorm room, create an inventory. This will help you keep track of what you brought with you and also the value of your items.
  • While your parent’s homeowner’s policy may extend some personal property coverage to you, you may want to discuss what coverage you have with your agent. An iSCHURING agent can help you determine what you specifically need.
  • Something to consider is a renter’s policy, especially if you are changing your address to your dorm room or apartment. These policies will protect your personal items in your room and also provide some personal liability, and are an affordable option.

 

Another topic you may want to bring up with your iSCHURING agent is whether or not you should stay on mom and dad’s health insurance plan.

Here are a few tips regarding health insurance…

  • The Affordable Care Act allows your parents to keep you on the family health insurance plan until you turn 26. In most situations it may make the most sense to stay on your family’s health insurance plan.
  • If you move across the state or country you may no longer have access to network doctors, and this is a situation where it may make more sense to get off your family’s plan and secure your own coverage. With the Affordable Care Act there are subsidies that are available to college students that will make plans with affordable premiums available to you.

So while you are preparing for all that college has to offer, remember to prepare for both the positive and the negative! An iSchuring agent would love to help you find the right coverage for your first steps towards adulthood.

 

 

 

 

 

New Vehicle Replacement Coverage

Thursday, May 26, 2016

Six Steps To Take If You're In An Accident

Wednesday, February 10, 2016



With the recent Michigan weather and the predicted forecast, roads will be a little more treacherous for drivers than they have been lately. Miller Schuring, with the help of leading car insurer Progressive®, wants to offer you these six steps on what to do if you get in an accident!

 

Anyone can lose their cool in a car accident, whether it be one that is major or minor. Confusion and emotions can lead to an escalation of problems, so follow the subsequent steps on how to react in event of an accident!  

 

 

1.    Remain calm, as this makes it more possible for you to stay in control of the situation.

 

2.    Ensure that you and the others in your car are OK and not harmed. Stay at the scene of the accident and use your hazard warning lights so oncoming traffic is aware that something has occurred.

 

3.    Call 911 or the appropriate emergency number to report the accident, and remember to remain calm and answer questions as accurately and detailed as possible.

 

4.    Report your claim by contacting your insurance company. The sooner you report the accident, the sooner your insurance company can resolve your claim.

 

5.    For legal reasons and to protect yourself, do not admit that the accident was your fault. Keep details of the car accident solely to yourself, the police and your insurance company.

 

6.    Get the name, address, phone number and license number of the other driver involved in the car accident. If there are other witnesses involved it would be wise to also ask them for their vital information.

 

The most important step to do before you get in an accident is to make sure you have insurance. The last thing you want to do when you’re in a car accident is worry about having to pay for whatever damage has occurred. Contact an independent insurance agent, such as Miller Schuring, and confirm that you are insured!

 

Please keep in mind that Information provided at iSCHURING’s Resource Center is meant to provide an overview of the topic, rather than an in-depth review. When deciding how this information applies to your specific situation, we recommend discussing with an iSCHURING licensed insurance agent. Any information provided at iSCHURING should also be reviewed by an attorney or tax consultant to determine the best course of action for your unique situation. No information may be copied, reprinted or otherwise reproduced without the expressed written consent of iSCHURING.com.

 

 

 


Practice Safe Driving This Winter!

Monday, January 11, 2016

Now that West Michigan appears to be experiencing the kind of winter it is known for, make sure you are practicing safe driving habits! Here are some tips, courtesy of SafeCo Insurance™, that will keep you and other people safe on these winter roads!

Start Your Car

     If your car is not parked in a garage or underneath a parking structure, chances are that it will be covered in snow and frost. Start your car 5 to 10 minutes prior to leaving, so your windshield and windows can completely defrost.

 

Give Your Car Time to Respond

Avoid slamming on your brakes, accelerating too fast or jerking your steering wheel from left to right. It is important to do everything gently and gradually, as your car is more difficult to handle on icy or snowy roads.

 

Stay Away From Using Cruise Control

Utilizing cruise control on icy or snowy roads may cause your car’s wheels to spin as it attempts to keep a constant speed. When road conditions are not ideal, use your gas pedal. While it may be less convenient it is safer and can give you better reaction times to other drivers.

 

If Your Car Skids, Stop Accelerating

If you feel your tires lose traction, remain calm and keep your foot off of both the gas pedal and the brake. Another thing to keep in mind when your car skids is maneuver your steering wheel into the direction you want the front end of your car to go.

 

Keep Space between Yourself and Other Drivers

Do not follow other cars too closely, as the amount of time you have to brake or slow down decreases when there is ice or snow on the road. Likewise, do give the car behind you more space when pulling into another lane. Give them an ample warning by using your turn signals and pulling over gradually.

 

Credit: Safeco Insurance™ A Liberty Mutual Company

   

Please keep in mind that Information provided at iSCHURING’s Resource Center is meant to provide an overview of the topic, rather than an in-depth review. When deciding how this information applies to your specific situation, we recommend discussing with an iSCHURING licensed insurance agent. Any information provided at iSCHURING should also be reviewed by an attorney or tax consultant to determine the best course of action for your unique situation. No information may be copied, reprinted or otherwise reproduced without the expressed written consent of iSCHURING.com.

 

What is the "PIP Work-loss Waiver?

Monday, October 26, 2015

                                    Work-Loss Waiver may be a discount for you if you have already retired.

 

PIP Work-loss Waiver

 

Short Answer: It's a discount, BUT you may also lose valuable income replacement coverage.

In the Michigan, you have an option to waive the work-loss benefits within the no-fault Personal Injury Protection section of your policy. Personal Injury Protection provides for the payment of medical bills and lost wages if you are injured in an auto related accident. For PIP wage, this coverage replaces some of the income you would normally earn but cannot because of a covered auto accident that keeps you from work.

If you are retired or otherwise not in the workplace, an auto accident may not affect your wage income, since you are not earning a regular wage at a job that requires you to be there.

For example, a retired electrician no longer works a 8 to 5 job. Instead, they are living on social security and their 401 plan they contributed to over the years. Today, they spend most of their time at their grand children’s soccer games and volunteering. In this example, if the retired electrician were to be in an auto related accident, there would likely be no impact to their continuing income as social security and the 401 plan would continue to pay them while they recoup. In this situation, the “PIP Wage-loss waiver” and applicable premium discount may apply.

If this sounds like you, the ”PIP work-loss waiver” may be an option to consider. The benefit is that it will reduce your premium slightly since the insurance companies will not be paying for lost wages in an auto related claim. The downside is that you will not have any continuing income replacement paid by your auto policy in the event of an auto related accident.  

Please use caution when applying this discount to your quote. Some companies will apply it to ALL DRIVERS on the policy incorrectly, especially if your spouse is still working. It is important to understand your situation to determine if the “PIP Work-loss Waiver” is a good option for you. 

As always, your iSCHURING agent is ready to help. Just call 1-800-315-8740.

Every insurance question is dependent on the specific facts surrounding the question. There are always if’s, and’s or but’s to every answer. Please keep in mind that Information provided at iSCHURING’s Resource Center is meant to provide an overview of the topic, rather than an in-depth review. When deciding how this information applies to your specific situation, we recommend discussing with an iSCHURING licensed insurance agent. Any information provided at iSCHURING may also need to be reviewed by an attorney or tax consultant to determine the best course of action for your unique situation. No information may be copied, reprinted or otherwise reproduced without the expressed written consent of iSCHURING.com.

 

 

Driverless Cars and Detroit Automakers

Wednesday, July 02, 2014

Imagine texting or surfing the web on your tablet during your entire commute to work. Will shaving, putting on your lipstick or reading be entirely acceptable without breaking any laws? It could happen. Your next generation "automated" car will safely (we hope) get you to your destination with very little input or supervision regulating the former "driver" to a "passenger" with time to do other things.

 

While the technology to pull this off is coming, it may be just a little further away after Detroit Automakers and Google executives met to discuss the potential of automated car mass production. In a recent article titled "Google, Detroit take Different Routes on Driverless Cars" from Insurance Journal they discuss the difficulties in these two industry giants working together.

 

There is no doubt that driverless cars are coming in the near future and iSCHURING.com will be there providing coverages to this next step in transportation.

Basic Steps If You Are Involved in an Auto Accident

Tuesday, July 12, 2011
1. Try to remain calm, and never leave the scene! Hit-and-run charges can equal time in jail.

2. If injuries may have occurred, call an ambulance and wait for it to arrive. If victims are injured severely, do not move them. This could result in further injuries or even death.

3. Call the police for an accident report. Do not move your vehicles (unless directed to by posted road signs). Turn on your hazard lights if necessary. If at all possible, use flares to direct traffic around the accident.

4. Exchange ALL vital information with the other driver(s).

5. If at all possible, get witness names and statements in writing. Be sure to get phone numbers of the witnesses.

6. Remember to record weather conditions, or other factors that influenced the accident.

7. Note all Police Officer names. If police do not show up on the scene, be sure to file a report with them as soon as possible.

8. Do not sign any releases or documents until contacting your insurers.

9. CONTACT YOUR INSURER.

10. Even if you feel as if you are not injured, it is important to be examined by your doctor to detect or prevent neck or spine injuries.
Contact us at iSCHURING.com if you have further questions or need any other assistance.


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