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The Wise Choice for all of your insurance needs since 1990!
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We will be closed November 23rd and 24th for Thanksgiving. We are thankful for all of our customers! Tammy, Breana, and Jose wish you all a Happy Thanksgiving!
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Time for an Insurance Checkup? Life changes, and so should your insurance coverage. If you would like to sit down with us and discuss your policy, give us a call and schedule an appointment or just stop on in!
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Upcoming Events: November 5th: Spaghetti Dinner Fundraiser for Allegan County Sheriff Deputy Dillon Kibby - On September 11th, Deputy Dillon Kibby sustained head injuries after being attacked by a suspect during an arrest. Thanks be to God that he is now out of the hospital, but he has a long road of recovery ahead of him. Come out on November 5th and support him and his family. Below is a flyer with more information.
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November 4th, 2023: 11am-7pm - Grand Rapids Thanksgiving Craft and Vendor Show - Woodland Mall (3195 28th St, Grand Rapids, MI 49512): There will be local crafters and vendors selling a variety of items.
November 4th, 2023: 9am-2pm - Zeeland East High School (3333 96th Ave, Zeeland, MI 49464) : Come start or finish your Christmas shopping. There will be about 100 vendor booths, food trucks, and more.
November 10th: Shop 'Til You Drop: 6 pm - 9 pm - Downtown Holland: It’s never too early to start your holiday shopping…especially when it’s during Downtown Holland’s annual late night shopping event! Get the holiday shopping season off to a great start and save big during Shop ’Til You Drop! Participating shops and restaurants will stay open late from 6:00 pm – 9:00 pm for this once a year event on Friday, November 10, with discounts up to 30% off! Trust us, you’ll definitely want to shop ‘til you drop so you don’t miss out on these amazing late night savings!
November 18th: 9 am - 8th Street Marketplace (150 W 8th St Holland): A delightful European-style market with holiday items, delicious food, hand-crafted goods and demonstrations in Holland Michigan. Free onsite parking.
November 18th: Save a Life From an Opioid Overdose: 9am - Noon : Plainwell Walmart parking lot: See flyer below for more information.
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November 25th: Small Business Saturday - Downtown Holland: Celebrate Small Business Saturday in Downtown Holland on Saturday, November 25! Our shops and restaurants want to thank you for shopping small this holiday season and all year long with giveaways, discounts, and lots of fun promotions! Be sure to enter our annual Small Business Saturday Selfie Contest too! Just snap a photograph of yourself shopping in Downtown Holland on Saturday, November 25 and share it on our Facebook page or tag #downtownholland on Instagram for a chance to win a $100 gift card to your favorite Downtown Holland business! The winner will be announced on Monday, November 27. Thank you for supporting our locally owned businesses! Check out this website for more things to do in West Michigan! https://www.woodtv.com/abc4/guides/big-4/big-4-guide-to-november-happenings-in-west-mi-holiday-markets-parades-light-shows-and-more/
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Tip Of The Month :Winter Driving Tips
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MCCA 2023 – 2024 Insurance Company Assessment
Due to the early payout of the MCCA surplus (the $400 that was paid per vehicle in 2022), There is now a deficit in the fund. Everyone will see an increase of $48 per vehicle over the next year. Below is the statement from the Michigan Catastrophic Claims Association:
"The assessment paid per insured vehicle to the Michigan Catastrophic Claims Association
(MCCA) will increase for the period July 1, 2023 to June 30, 2024. The assessment amount will vary, depending
on the level of personal injury protection (PIP) coverage drivers choose.
Those opting for unlimited PIP benefits will see an increase to $122, or 42% higher than the 2022-2023
assessment of $86. The $122 assessment consists of $74 to pay for anticipated new claims and an additional
$48 assessment to address an estimated $ 3.7 billion deficit as of June 30, 2022. Drivers choosing lower levels
of PIP coverage, or no PIP coverage, will pay an MCCA assessment of $48 beginning July 1, 2023 to address
the deficit. This is an increase of $48 over the 2022-2023 assessment, when there was a $0 deficit assessment.
Higher-than-anticipated claims costs resulting from the recent Michigan Court of Appeals decision in Andary
v USAA Casualty Insurance Co., Court of Appeals Docket No. 356487 (Aug. 25, 2022), which ruled that the
family attendant care hourly limits and certain provisions of the medical fee schedule created as part of the
2019 changes to Michigan’s No-Fault Act cannot be applied to losses occurring before June 11, 2019, are
estimated at $3.7 billion. Lower than expected investment returns also impacted the MCCA’s financial
position. An application for leave to appeal the Andary decision is pending in the Michigan Supreme Court,
and the MCCA is monitoring proceedings for any changes that may impact the deficit assessment.
Additional information on the MCCA, including claim payment statistics, audit reports, financial statements,
the annual consumer report to the Michigan Legislature, and answers to frequently asked questions is
available at the MCCA’s website, www.michigancatastrophic.com, and from the Michigan Department of
Insurance and Financial Services website, www.michigan.gov/difs."
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Did you Know : Your Auto May Not be Insured Correctly While Gig Working When you are out trying to make some extra money doing Shipt, DoorDash, Uber, or Lyft in your personal vehicle, you need to have a Commercial policy to be covered correctly. If you are involved in a car accident, your personal auto policy will probably not pay for damages to your vehicle or provide any coverage for injury to your passengers or others. Some carriers offer an extra rider to be added to give you a little coverage. Call us to discuss you specific carrier in more in detail. A Commercial policy does cost a little more per month, but it will pale in comparison to the cost of medical bills and pain and suffering damages that you might be responsible for if you are involved in a crash without the correct coverage. Below are some links for some of the gig jobs that are out there:*Uber and Lyft drivers in Michigan must be registered with the Department of Licensing and Regulatory Affairs (LARA) . Click here to learn more about this and other requirements in regards to Transportation Network Companies (TNC's).You need to check with the TNC or delivery service that you are working for and ask them about what they cover in case of an accident. Give us a call if you have any questions. We want to make sure that you can use your insurance if you need to.
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We are partnering with Allegan Homeless Solutions. They provide services and housing to the homeless by bridging gaps, breaking barriers, and bringing solutions. If you would like to help, visit their website or donate by texting GIVE2AHS to 53555. You can also drop off new/gently used items or canned food to our office and we will deliver it! Things to donate are: can openers, personal items (deodorant, shampoo and conditioner, tooth brush/paste), laundry soap, feminine hygiene products, tissues, toilet paper, towels, canned ravioli and spaghetti, fast food and gas gift cards, bottled water, nail clippers, cereal, and non perishable/pull-tab food donations.
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Allegan Homeless Solutions partners with the Plainwell Pizza Hut every last Monday of the month and donates 15% of your purchase.
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The Grand Rapids Red Project is a 501c3 non-profit organization dedicated to improving health, reducing harm, and preventing HIV. Since 1998, we have served the State of Michigan by providing people with access to the tools, information, resources, and support that one needs to stay healthy. The GRRP provides free Narcan and Naloxone which can help reverse an overdose and training on how to use it. They have a mobile unit that travels to different areas in West Michigan. Click here for more information.
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