BY: Tamara Champagne If you’ve been looking at car insurance lately, there’s a good chance you’ve come across something called “telematics.” Sometimes it’s pitched as a way to save money. Sometimes it’s framed as “safe driving rewards.” And sometimes it just feels like… your insurance company wants to track you. So let’s just clear the air. Telematics isn’t good or bad on its own—but it’s definitely not for everyone. And if you don’t understand how it actually works, it’s eas

BY: Chelsea Harland What Actually Happens After an Insurance Claim? If you’ve never gone through an insurance claim before, you’re not alone. And honestly—even people who have been through one usually say the same thing: “I didn’t really know what was happening.” So let’s walk through it the way we’d explain it if you were sitting in our office. No sugarcoating. Just how it actually works. What to Do Right After Something Happens The first thing we always tell people is simpl

By: Emily Ewing Blog Post Insurance is meant to protect your financial future. But many people unknowingly carry policies with coverage gaps that only become obvious after a claim occurs. In Michigan, the insurance system is also unique because of our No-Fault law, which changes how injuries and vehicle damage are handled after an accident. Because of this, certain coverage mistakes can become extremely expensive. Below are five common insurance mistakes we see, along with

https://www.loom.com/share/787cad2cc4f3411ea646ee5865e860aa BY: Emily Ewing If you’ve ever received a renewal review from your insurance agent and thought: “Why are they asking me all these questions again? Didn’t we already go over this?” You’re not alone. Many people feel like they’re being interrogated during the renewal process. But the truth is, those questions are one of the most important ways your insurance agent protects you from coverage gaps, pricing mistakes, and

By: Larry Spears Winter Insurance Setup for Michigan A comprehensive guide for selecting the best insurance coverage for homeowners and drivers in Michigan during winter. Homeowner Insurance Recommendations [0:31]( https://loom.com/share/26a9ec58bf844f9dbc3247b71f37f6cf?t=31 ) Replacement Cost on the Dwelling**: Ensure coverage is based on replacement cost rather than depreciation. Replacement Cost on the Roof: Protect against depreciation on roof claims, which are common in

By: Larry Spears Today I want to answer a question we get all the time. What's the difference between actual cash value and replacement cost? Yesterday we talked about why your policy can increase even if you haven't had any claims, especially how home coverage goes up over time because rebuild costs go up. Now I want to focus on something even more important than the coverage limit itself, how your home and your belongings are valued after a claim. There are two primary

By: Chris Widenhofer If you’re a parent in Michigan, this question comes up all the time: “Why does my auto insurance agent need my kids’ information if they’re not even driving yet?” It feels unnecessary. Sometimes it even feels intrusive. But in Michigan, there’s a very specific — and very important — reason this question gets asked, and it has nothing to do with rating your child as a driver. Let’s break it down honestly. The Michigan Rule Most People Don’t Realize Exists

Hey everyone, Chelsea here with the Champagne Agency. Today, I want to talk about the most common Michigan auto insurance mistake that parents make, and the important thing to know is that it's almost never intentional. Uh, the mistake is not listing everyone in your household on the auto insurance policy. Most parents assume that if your kids aren't driving yet or you don't have a license, they don't matter when it comes to auto insurance. But in Michigan, that's not how t