Why Does Auto Insurance Not Cover These Things?

Are you confused why insurance companies like us at CG Insurance Agency don’t cover certain problems for your Williamston, MI vehicle? Please read on to learn more about why you have some policy limitations and (if applicable) ways that you may work around them.

Performance Cars 

High-quality performance or exotic cars are not covered by a standard car insurance policy. Instead, they must be protected with specialized insurance plans designed specifically for them. Make sure you talk to your insurance provider to learn more about this facet and what to expect from it. 

Wear and Tear Damage 

Your insurance provider does not cover wear and tear problems because they are considered a natural part of your car’s use. And if your negligence causes any troubles with your vehicle, they are likely to not cover these repair costs, so make this fact in mind before finding a policy. 

Other People Driving Your Car 

Insurance companies set up your policy with the assumption that you’ll be driving it. They set their prices and their coverage to suit specific people. So, if someone else is driving your car and damages it, your policy does not cover the problem because it does not apply to them. 

Ridesharing Situations 

Providers often refuse to cover ridesharing because it is another scenario in which you are sharing your vehicle with others. You may need to get specialized commercial auto insurance for this type of protection, though you may have limited choices in some situations. 

Get Your Car Protected 

Working with us at CG Insurance Agency will help to keep your Williamston, MI automobile protected and secure. By getting high-quality coverage, you can ensure that you don’t end up experiencing real problems and can avoid the long-term complications that you may otherwise experience. 

The Benefits of Umbrella Insurance

Umbrella insurance is valuable insurance for any business to have. It can be beneficial to the individual policyholder as well, particularly if you have many valuable assets. Umbrella insurance is commonly referred to as excess liability insurance and is, as the name suggests, a type of liability insurance. The CG Insurance Agency serving the area of Williamston, MI would like you to know about three benefits of this type of policy.

Excess Legal Liability

Umbrella insurance is there to protect you from a deluge of liability when your standard liability provisions in your primary policies are exhausted. An umbrella insurance policy is precisely what it sounds like. It is additional or excess liability insurance providing cover over and above your standard policies.

Broader Coverage

An umbrella insurance policy correctly worded could provide broader liability coverage than your underlying policies. It may also cover gaps that your standard commercial liability policies cannot. This is normally accompanied by a self-insured retention amount that is payable before the policy comes into effect.

Peace of Mind

Umbrella insurance may provide greater peace of mind when it comes to liability. One of the best ways to plan for the unexpected is to purchase insurance. It may help prevent enormous financial loss that could destroy your business or your personal life if you are not sufficiently insured. Umbrella insurance on a personal level can apply beyond the liability provisions of your homeowners and automobile policies. And, from a commercial perspective, it can sit above your general liability and employers’ liability policies.

Don’t delay. If you think you are inadequately covered for liability, then contact the people at the CG Insurance agency serving the area of Williamston, MI today and ask them to help you assess your needs and liability coverage.

Tips For Filling Out a Home Inventory

If your home should be subject to a fire, theft, flood, or another disaster, an up-to-date home inventory will make the situation much easier. A home inventory will be key to verifying any losses and getting your claim settled faster. It will also help you purchase the right amount of insurance.

If you would like to create a home inventory, here are some steps to get you started:

Describe each item: You will need to note the type, color, make, model, and size of each item. You should also list where you purchased the item. 

Inventory your clothing: For clothing, you don’t need to list each and every piece. Instead, you can make note of how many items you have per category — how many jeans, how many pairs of sneakers, how many dresses, etc.

Look for serial numbers: On any major items, such as large appliances, be sure to check the backs and bottoms for any serial numbers and list those numbers with the descriptions.

Your home is full of items that should be part of the inventory. This means the process is not a simple one. You’ll need to take your time moving through the process, so you don’t get overwhelmed. Consider starting with one room, one closet, or the kitchen and moving on from there. 

In addition, it’s important that you also inventory any items that might be covered by your homeowner’s insurance and that are in off-site storage. 

Finally, make sure you speak with your agent about separate coverage that is in your home and might require its own policy. This includes art and jewelry. 

Once you have a home inventory, you will be better prepared in the event of a disaster. 

Are you interested in homeowner’s insurance?
If you need coverage for your home, the expert and caring team at CG Insurance Agency in Williamston, MI can help create a plan that is best for you. Contact our office today for more information. 

Tips for Parents Teaching Their Teens How to Drive

The time has come, and your teen is starting to learn how to drive. The time you teach your teen how to drive can be a bonding experience. Being prepared to teach your teen how to drive in Williamston, MI is key to avoiding any potential dangers while on the road. 

It is essential to keep your teen safe while teaching good driving abilities. Keeping your teen safe while driving is why you need to give us a call at CG Insurance Agency to learn more about insuring your teen as they learn how to drive. Until then, here are some tips to help you teach your teen how to drive: 

Determine If They Are Ready to Drive

Before you head out and go driving with your teen, determine if they are ready to learn how to drive. You know your child more than anyone else and would be able to determine if your teen is mature enough to understand how to drive. 

Check Insurance

Call your insurance company to learn more about coverage for your teen as they learn how to drive. You may have to add your teen to your policy when they have their learner’s permit or once they receive their driver’s license. 

Explore the Vehicle

Take a moment in the driveway with your teen sitting in the driver’s seat. Discuss the different instruments and how to use them. Additionally, teach your teen how to adjust seats, mirrors, and other features in the car. Also, take time to discuss what the different lights mean, such as check engine light and low tire pressure. 

Once you and your teen are ready to go out on the road in Williamston, MI remember to be patient and take deep breaths. Closely watch your teen and explain why they should be doing certain things while behind the wheel. Don’t forget to give us a call at CG Insurance Agency to learn more about insurance coverage when your teen starts to drive. 

How does umbrella insurance protect someone in Michigan?

Liability risk is something that people all over the Williamston, MI area need to take seriously. Even people that are careful and diligent run the risk of causing an accident that could lead to a loss. To ensure you are protected against the risk of liability, having insurance is very important. One form of coverage to consider getting is umbrella insurance. This insurance can protect someone here in many ways. 

Protects Against Wider Range of Risks

One of the ways you can be protected with an umbrella insurance plan is that it can protect against a wider range of risks. There are a lot of risks that someone faces that could result in a liability claim. Many of these may not be covered by other insurance plans. With an umbrella plan, you are going to have broad protection that could cover virtually any liability risk.

Protects Against Significant Claims

You should also consider an umbrella insurance plan to protect against more significant claims. If you are a vehicle or property owner, you likely already have insurance plans that offer some liability protection. However, there is a chance that a claim could exceed your policy. If this occurs, the umbrella insurance plan will offer the protection needed to cover claims that are in excess of your other plans. 

If you want to get an umbrella insurance plan when you are in the Williamston, MI area, it would be wise to speak with someone that understands this type of coverage. As there are a lot of options to consider, it would be wise to call the CG Insurance Agency. As you speak with the CG Insurance Agency, you can receive the support that is needed to choose a plan that will properly protect your organization. 

How Much Home Insurance Do I Need?

Home insurance is one of the best investment decisions you will make in your life. When you buy home insurance from CG Insurance Agency of Williamston, MI, you protect your home, yourself, and family members when the unthinkable happens. While home insurance is pivotal, how do you know you have adequate home insurance coverage? Purchasing adequate home insurance ensures you avoid out-of-pocket expenses during the claim process. Here is a guide to help you determine the amount of home insurance coverage you need.

How much would it cost to rebuild your home?

When purchasing home insurance, it’s essential to plan for the worst. How much would it cost to rebuild your home in case of a total loss? To determine this figure, instead of using the cost you incurred while building your house, it’s essential to consider the cost of renovations and the cost of building your home in your area.

While you may use the cost of rebuilding your home as the home insurance value in the first year, it’s vital to keep updating your home insurance plan to factor in significant renovations and changes in local construction costs. This way, you will ensure that your house isn’t underinsured. 

What’s the value of your assets?

How much would it cost to replace your furniture, clothing, electronics, and other assets in case of damage or loss from fire, vandalism, or theft? To avoid underinsuring your personal belongings, take an inventory count of all your assets from room to room. Next, come up with a realistic cost approximation, bearing in mind how much it would cost to replace that item today.

Likelihood of being sued

Home insurance protects you against bodily injury, property damage, and legal suits for losses you cause to other people. While the default liability insurance may have a limit of, let say, $100,000, how do you know this amount is adequate? As a rule of thumb, your liability insurance should cover all your assets. Besides, you can boost your home liability insurance with umbrella insurance for optimal protection.

Are you still unsure of how much home insurance you need? Please contact CG Insurance Agency for more information. Better yet, you can visit our Williamston, MI offices to speak to one of our agents in person.

Do You Need Umbrella Insurance In Williamston, MI?

Humans aren’t perfect. Your insurance isn’t perfect either. Your home, boat, or auto insurance protects you against several perils but only to a certain point. When lawsuits come raining, you need umbrella insurance from CG Insurance Agency LLC of Williamston, MI to carry the day when your current liability coverages run out. 

What is umbrella insurance?

Also known as excess liability insurance, umbrella insurance doesn’t stand on its own. It rides on other insurance plans like home, boat, condo, or auto insurance. Umbrella insurance takes over when you are facing claims exceeding your typical insurance coverages. 

Because we live in an uncertain environment, you can’t predict lawsuits you are likely to face. In the same breath, you can’t predict their outcome, too. Regrettably, when cases are ruled against you, the financial liability could be massive, putting your assets and future earnings at stake. However, when you have umbrella insurance, legal costs, including attorney fees and settlement costs, are taken care of.

Who exactly needs umbrella insurance?

Whenever you want to answer whether you need umbrella insurance, think about your assets: your car, home, investments, and checking accounts. Now, assume you are faced with a substantial lawsuit exceeding your standard insurance plans. In that case, your assets will be on the line to cover the damages.

There is a popular misconception that umbrella insurance is for the wealthy. This notion can’t be further from the truth. Anyone can face legal suits. And if you have assets, they will be at stake if you fail to cover the resulting legal costs.

While everyone needs umbrella insurance, it’s vital to purchase one if you belong in one of the below categories:

  • You own a swimming pool or trampoline
  • You have certain breeds of dogs that can bite
  • You or your family member has a social media presence
  • You have a business
  • You participate in risky sporting activities like hunting and surfing
  • You coach youth sports
  • You have significant investments or want to protect your future earnings

Are you a resident of Williamston, MI, and need to purchase umbrella insurance? Contact CG Insurance Agency LLC today for a quote.

Risks of Not Having Auto Insurance

The primary purpose of auto insurance is to protect drivers. However, many drivers decide to take a huge risk and drive without car insurance. People decide not to purchase auto insurance for many reasons, but the main is money. If you are one of them and you do not want to buy car insurance, CG Insurance Agency prepared a list of certain risks you should be aware of:

Risk of Being Arrested or Ticketed

If you live in Williamston, MI, or any other town in Michigan, you should know that driving without car insurance is illegal. It is a misdemeanor offense and can result in a fine or even arrest. 

Risk of Being Financially Responsible For All the Repairs in Case of an Accident

If you are involved in a car accident without auto insurance and are at fault for causing it, you will have to pay for all the repairs yourself. It might be a lot of money, depending on the amount of damage. Moreover, there is a risk that other drivers and passengers will sue you for physical injuries.

Risking Lives of Other People

If you decide to drive without insurance, you should understand that you are putting yourself at risk and other people, as well. If many people need medical help in case of an accident, you will have to pay for it. 

Therefore, if you are still thinking about whether to buy auto insurance or not, you should definitely get it. If you live in Williamston, MI, or any other surrounding towns and you are looking for a trustworthy insurance agency, CG Insurance Agency is here for you. Our team of professional and experienced insurance agents is ready to answer all the questions you may have and help you find a perfect policy based on your budget and personal preferences. All you need to do is to give us a call or visit our website. 

Should I Tell My Home Insurance Provider About My Above-Ground Swimming Pool?

As nice as an in-ground pool can be for your Michigan home, they start at around $50,000, almost enough to buy a whole new house in some areas. Meanwhile, an above-ground pool will run you maybe two hundred bucks, and it’ll cost a lot less to fill with water. With proper maintenance, they can last ten to twenty years. When you’re kicking back on a float with a drink in your hand, do you really care if it’s concrete or Intex plastic holding the water? The only question is whether to tell your insurance provider.

You may be thinking: Why bother? The pool was cheap to buy, and it’ll be cheap to replace. But it’s not just your pool you need to think about. It’s your home and the added liability of having a pool.

With proper set-up and maintenance, it’s unlikely that your pool will suddenly collapse, but it happens. And when it does, anyone swimming in it at the time is likely to suffer some injuries. Even if nobody’s in your pool when it collapses, it could create a mini-flood that tears through A/C units and even your home’s foundation. It can create water damages that you do not want to cover out of pocket.

If you don’t let them know, you won’t be covered for any damages relating to your pool. So it’s usually a good idea to let your insurer know that you have an above-ground pool.

If you have any questions or you’re looking to get covered in Williamston, MI, get in touch with CG Insurance Agency and see what we can do for you. CG Insurance Agency is here to get you a good deal on a great policy and answer any question you may have.

Required Auto Insurance in Michigan

Like other states, Michigan has laws about the type of auto insurance that drivers must carry. And, you must carry proof that you have this insurance. If you need auto insurance or want to increase your coverage, call us at CG Insurance Agency LLC in Williamston, MI to talk with an agent about the coverage you need.

Coverage for Injuries

Michigan has a “no-fault” law that leaves each person responsible for paying for their injury claims no matter who caused the accident. This also means that drivers lose some of their rights to file suit for damages. This makes it especially important to have your own coverage in place. The state mandates that you have a specific amount of bodily injury coverage for one person injured in an accident. It has another amount required to cover two or more people who have been injured in an accident. However, both of these amounts are relatively low, and many people choose higher coverage amounts to meet today’s high medical bills. There is also required personal injury coverage with an unlimited payout, and you choose between a few deductible amounts.

Other Required Insurance Coverage

There is also a set amount required for property damage liability. This set amount pays for damage done to another vehicle, but not to your own. There is also coverage for bodily injury for an uninsured motorist. Technically, this coverage is not mandatory, but your insurance agent is required to offer it to you, and if you don’t want it, you must reject it in writing. It is, however, smart coverage to have.

Get Your Vehicle Covered

If you don’t have auto insurance or don’t have enough coverage, don’t wait even a day. Call us at CG Insurance Agency LLC in Williamston, MI to make your appointment with an agent.