Know Before You Go!

Can we all agree that car insurance is confusing! Our politicians promised us new auto insurance laws to save us big money. How’s that been working out? Starting July 2, 2020, and as we renew our insurance, we drivers are supposed to save millions! So far, the savings are… underwhelming.

Risks are increasing. Everyone is used to having unlimited personal injury coverage. Not anymore. Now coverage is limited and cheaper. And the other guy can sue you for the difference. Will car accident attorneys like that? Will insurance companies like that? Aren’t you glad our politicians simplified things?

Unlimited Coverage for You!

Do you want to worry? No! You get the maximum coverage. The other guy CRASHES into you. The other guy has low or no personal injury coverage. Who is suing you? The other guy. What does he want? Your income, savings, house, whatever. Why? His unpaid medical bills. Is that fair?

But you are fine. You paid extra for unlimited coverage. No worries! Right? Wrong. That only covers your medical bills. Not that guy’s. Glad we saved all that money on car insurance.

Low or No Personal Injury Coverage for You!

Let’s save some money. No or low personal injury coverage for yourself. Bad accident? Sue the other guy! Good luck. Need long-term care after the accident? Welcome to the jungle of long-term care. Annual skilled nursing easily costs over $120,000. How long can you pay that before going broke? And when you are flat broke, Medicaid is your only resource.

All is Not Lost: Protect Yourself.

Proper Planning means peace of mind. Secure your life savings, home, cottage, business. Get quality care AND preserve resources to supplement that care. Tested, effective strategies mean you are not going broke. Life Savings Protected. Life Choices Respected.

Before You Renew Your Auto Insurance! Three Quick Tips

You have been driving forever. Remember your sixteenth birthday? You camped outside the Secretary of State’s office to be first in line for the driving test. You love driving! Except. Except that annual letter from the insurance company.

Life Is Not Tough Enough Already, You Need More Complexity

Well, that letter has gotten worse. Much worse. You have already received the first confusing communication. Telling you that Michigan’s No-Fault Automobile Insurance Law has changed. Great! Now you now have options! How much Personal Injury Protection (PIP) coverage? What about lawsuit liability? A whole menu of choices! Please select the ones you want. Like you, I too got that confusing letter. And if you are like me, your first answer was “How the heck should I know?!”

Where The Rubber Hits The Road

You are injured in a car accident. Your PIP pays you. PIP covers your accident medical expenses. PIP pays 85% of lost wages for 3 years. PIP pays for replacement services.
Under the old law, your medical expenses were fully covered, without limit. Now, you choose how much PIP will pay.

Three Handy Hints

Do not change your PIP coverage on impulse. I suggest:

• 1. Wait for a year. Give it a looksee first. Then, thoughtfully, change your coverage.
• 2. Talk to somebody who knows this stuff. Call your insurance agent. Are cost savings worth increased risk?
• 3. Buy an umbrella! An umbrella insurance policy, that is. Umbrella policies are cheap. Umbrella policies cover what other policies do not. Think about it!

Life Planning™ Means Security

Your life is complex. And getting more complicated all the time. LifePlanning™ secures what you have already earned. It’s your roadmap to the future. If you haven’t already begun LifePlanning™, a free, entertaining workshop is a great way to get started. Just call!

Get Security Now; Call the Hotline 800-317-2812

The post Confusion! That’s What Insurance is Today appeared first on Carrier Law.

Michigan’s New & Improved Auto Insurance
Know Before You Go!

By Carrier Law Attorney Bill Bereza

Can we all agree? Car insurance is too darn high! Our politicians promise new auto insurance laws to save us big money. Beginning July 2, 2020, we drivers will be saving millions! So they say. But there is no such thing as a free lunch.

Are these savings magical? Of course not. Everyone used to have unlimited personal injury coverage. Not anymore. Now they limit their coverage (it’s cheaper!) and sue you for the difference. Gee, will car accident attorneys like that? Of course, you will only get sued if you were at fault. Or if the other guy thinks you were at fault. Or if the other guy can make it seem that you were at fault. Or if the other guy was riding a motorcycle. (Huh?) Or…? Aren’t you glad our politicians simplified things?

Choose Unlimited Coverage for Yourself!

You don’t want to worry, so you get the maximum coverage possible.
The other guy CRASHES into you. The other guy hurts himself. Badly. But you are fine… not even a scratch! The other guy has low or no (NO!?) personal injury coverage. Guess who’s storming after YOU! Even if you were innocent. They are coming for your income, savings, house, whatever. For their unpaid medical bills. Is that possible? That is why they’re suing you, to find you at fault. And if the jury goes with them? You are on the hook for their unlimited medical bills.

But you are fine. You paid extra for unlimited coverage. No worries! Right? Wrong. That only covers your medical bills. Not the other guy’s. That guy chooses low/no coverage; they are coming after you. Glad we saved all that money.

Choose Low or No Personal Injury Coverage for Yourself!

Let’s save some money. No or low personal injury coverage for yourself. And what if you need a surgery? Or two or three? Good luck suing the other guy. What if you need long-term care after a car accident? Welcome to the complex maze of American long-term care. Insurance only pays for limited long-term care. When it runs out, you pay. And pay. Annual skilled nursing costs can exceed $120,000. How long can
you pay that before going broke? And when you are flat busted, Medicaid is your only resource.

Good News: You Can Still Protect Yourself

Proper Planning means peace of mind. Secure your life savings, home, cottage, business. Get quality care AND preserve resources to supplement that care. Tested, effective strategies mean you are not going broke. Lawsuits and long-term care? Handled. Life Savings Protected. Life Choices Respected.

We can help. Call (616) 361-8400

The post Salvation or Sucker Punch? appeared first on Carrier Law.