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The Wise Choice for all of your insurance needs since 1990!
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Reminder: We will be open on Monday, July 3rd for all of our wonderful customers and will be closed on Tuesday, July 4th. From Tammy, Breana, and Jose, have a blessed, safe, and awesome Independence Day!
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Upcoming Events: July 1st: Save a life from Accidental Opioid Overdose - 9 am to Noon at the Trestle Stop (3366 M40 Hamilton): America and our local counties are experiencing a drug epidemic. The Grand Rapids Red Project is offering free training and free Narcan kits for the residents Allegan County. You will learn how to recognize and respond to an opioid overdose and learn how to administer nasal naloxone (Narcan). This is a free event and open to the public.
July 1st - 4th: Independence Day Fireworks - Holland will be holding their Fireworks show at Kollen Park on the the 4th of July over Lake Macatawa. Beechwood Grill and various fair food will be available from noon - 10pm. The event is free, so bring your friends and family for an evening of fun! Fireworks begin around dusk. Other communities will be celebrating on different days. Click here for a list of other firework displays in West Michigan!
July 1st - 8th: Cherry Festival Traverse City - Grab the Traverse City Cherry Festival Interactive Map and Guide for tips, event locations and the schedule! This year, see the USAF Thunderbirds perform, Theory of a Deadman & Skillet, Jordan Davis, Chicago, Jeff Foxworthy and Larry The Cable Guy! Also enjoy classic car shows, midway, Cherry Pancake Breakfast, parades, cherry farmers market and so much more!
July 24th - 29th:Ottawa County Fair - (1286 Ottawa Beach Rd) - Gates open at 1pm Tuesday-Friday and Noon on Saturday. Carnival rides are open starting at 2pm Tuesday - Friday and 1pm on Saturday. Click on the Grandstand Events and Special Event Days for more information. July 28th - 29th: Saugatuck Venetian Fest - (Downtown Saugatuck) - Brought to you by the Rotary Club of Saugatuck-Douglas. The Saugatuck Venetian Fest 2023 is scheduled for July 28 and 29. The crowd-pleasing 1980s cover band “Star Farm” has been booked to perform again on Friday night of the festival. The festivities continue Saturday afternoon with an art fair, and the annual dinghy poker run. This year’s theme of Green Venetian will be on full display during the Saturday evening lighted boat parade. Click here for more information. July 28th - August 6th: Grand Haven Coast Guard Festival: (113 N 2nd St, Grand Haven) - See Aeroforce (Aerosmith Tribute Band), Simply Queen (Queen Tribute Band), Rock n Hop and so much more this year! Carnival, concerts, grand parade, kid's events, craft fair, ship tours, car show and more! Click on the Grand Haven Coastguard Festival guide for the schedule, parade routes, and things to do!
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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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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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