Complete Insurance Services, Inc.

Auto, Homeowners, Business, Medical & Life Insurance

  • facebook
  • twitter
  • linkedin
  • angieslist

Auto, Homeowners, Business
Medical & Life Insurance

Call: 248-682-1510

File A Claim Get A Quote

  • Home
  • About
    • About Us
    • Company Associates
    • Trusted Choice
  • Products
    • Life Insurance
    • Health Insurance
    • Auto Insurance
    • Renters Insurance
    • Business Insurance
    • Workers’ Compensation Insurance
    • Umbrella Insurance
  • Services
    • Personal Insurance
    • Business Insurance
      • Workers’ Compensation Insurance
    • Insurance Companies
  • Blog
  • Contact
    • Customer Service
    • File A Claim
    • Online Quotes

Car Rental Coverage – Here’s What You Need to Know

June 12, 2021 By Editorial Staff

car-rental-insurance-Michigan

We frequently gets calls from customers wondering if their rental vehicle is covered by their auto insurance policy while on vacation. If you have an Auto-Owners personal auto policy, it has specific coverage provisions that address whether an accident in a rental vehicle is covered.

Let’s look at a common example: You take a vacation to Las Vegas and rent a car.

How does coverage extend from your car to a rented car while on vacation?

Under an Auto-Owners personal auto policy, if you have comprehensive and collision coverage, it carries over to a rental vehicle. Liability coverage (coverage for another person’s medical bills or damage to another person’s property) extends only to the insured(s), a spouse, relatives who live with the insured, and anyone the insured gives permission to use the rental vehicle.

Physical damage coverage (coverage for the rental car if it is damaged or stolen) applies only to the insured(s), spouse and relatives who live with the insured. The broadest or best coverage from any vehicle on your policy extends to the rented vehicle. In other words, as long as one of the vehicles on your policy has both liability and physical damage coverage, the car rented on vacation will have those same coverages.

If coverage can be extended to the rental vehicle it is not necessary to purchase the damage waiver from the rental car company.

The Auto-Owners policy is broader than the industry when it comes to rented vehicles regarding what is covered. If you have questions on this coverage, please contact us. Keep in mind that it will be important to understand why the vehicle is being rented and who will be driving it, as these facts are important in determining if coverage will apply for a potential claim. And please make sure the leased vehicle is rented for your personal use, and not for business.

Complete Insurance Services is located in Keego Harbor Michigan. If you are looking to learn more about car rental coverage contact us today for a Free Quote!

Filed Under: Auto Insurance, Insurance Coverage Tagged With: Auto, auto insurance coverage, car rental, care rental coverage, insurance, insurance coverage, insurance services in Keego Harbor, insurance services in Michigan, insurance services near me, Keego Harbor, Keego Harbor MI, Michigan, personalized insurance policies

Five Quick Maintenance Tips for Your Car | Complete Insurance Services MI

March 25, 2021 By Editorial Staff

auto-insurance-and-maintenance-tips-for-your-car

Every once in a while, you need to do a pulse check on your car. We do inspections once a year or so, depending on your state, but between inspections there are checks you need to make on your car to ensure it’s running smoothly and being well kept. Cars are made of so many parts, any one of them can malfunction at any time. You can be prepared with routine checks.

You don’t need a full inspection of your car every time you go into the shop, but there are certain aspects that need to be checked on more often than others. You’d be surprised how much wear a car can endure before a light comes on or you notice a problem in performance. Don’t let it get to that point.

Below are five checks you should be doing routinely to make sure your car continues to run smoothly.

Oil Check

This one is obvious, and your car will likely alert you when the time comes. But your auto shop should also give you a mileage to get your oil checked at, whether your light comes on or not. The motor oil lubricates the moving parts in your car, protects it against debris, keeps the engine from overheating, reduces damage, and a lot more. That’s why it needs to be monitored and replenished as soon as it’s time.

Tire Pressure and Tread

Your tire pressure gauges may not always be accurate and fluctuations in weather can cause tire pressure to drop without much warning. Check your tire pressure often to ensure you don’t have a slow leak. You should also make sure your tread is in good shape so it does not become a hazard during inclement weather. It’s also a good idea to periodically rotate your tires.

Air Filters

The air filters in your car run through the engine and provide clean air to your car. It’s a no brainer they need to be properly maintained and cleaned. If your air filter is malfunctioning, it can be a fuel usage problem.

Lights and Signals

You don’t want to go to turn your car on one night and find your headlights out. You also don’t want to be in a traffic stop for a taillight being out. Check them regularly and change the bulbs based on their performance the expectancy you get from your auto shop. This is incredibly important for brake and turn signals.

Wax

This may sound like a luxury but waxing your car after a cleaning can help protect your paint job and make it more resistant to damage from debris. Even small irritants like dust, road salt, and sand can wear down the paint and before you know it the paint is wearing off. My favorite Wash and Wax product is Mothers California Gold. Cleans, shines, & protects your car. Just use one once per gallon of water when you wash your vehicle.

New Car Paint Protection: A shield of spray on clear coat adds protection to the paint job before you take your new vehicle home. It protects your new car from bird droppings, chips, and tree sap. The polymer paint sealants go right on over the paint. It is not recommended you do this yourself, due to the strong chemicals that are applied. If you have a lot of trees in your yard, or you have a long daily commute it’s a good idea to add the extra protection.

Related Questions

How often should I check my transmission?

Transmission is more of a long-term checkup. Once it’s been looked at and checked off, it’s usually good for a while.

How often should I change my windshield wipers?

This is a good thing to do seasonally since different seasons will wear on your wipers more than others. It’s good to get it done after winter and at the end of summer.

Batteries: Here in Michigan, we know that the Battery will die when its cold and your starting the motor early in the morning. Make sure the battery is tested in the fall.

Spare Tire: Make sure you have a spare for your vehicle and any trailer or recreational vehicles. How many times do you see a trailer on the highway sitting there without a car, and missing a tire? You do not want to have to deal with not having a spare. And do make sure to have your trailer axel’s ball bearings greased. They can heat up and cause considerable damage from neglect.

Keeping your car in check will bring you peace of mind knowing its safe and dependable as well as keeping costly repairs at bay. Summer travel is around the corner, so the Spring season is a smart time to be car aware. It is also a great time to review your car insurance options to ensure your coverage meets your needs.

Want to find out more about Auto Insurance in Michigan? Complete Insurance Services located in Keego Harbor can help. Build your own policy with the help of our experienced agents and get the best combination of coverage, value, and price. Call for a Free Quote today!

Filed Under: Auto Insurance, Insurance Coverage Tagged With: auto insurance coverage, commercial insurance, insurance, insurance coverage, insurance services in Keego Harbor, insurance services in Michigan, insurance services near me, Keego Harbor MI, Michigan, personalized insurance policies, residential insurance

Tips for Buying Car Insurance | Keego Harbor Michigan

January 5, 2021 By Editorial Staff

tips-for-buying-car-insurance-Keego-Harbor-Michigan-insurance-services

There are so many options to choose from when it comes to purchasing car insurance. You can choose from larger, national car insurance providers or choose from a local, smaller car insurance provider. Most people buy car insurance because it’s required in the state that they live in before they can drive. They usually choose a car insurance company that they saw on television or go with their parents’ car insurance provider. Very few people take the time to research which car insurance would be the best to have given their circumstances. If they do, they base their decision on cost only. Lower insurance costs may seem like a great idea when you are paying a premium and haven’t had an accident.

However, comparing rates shouldn’t be the only thing you learn about when shopping for car insurance.

Here are five other things to consider when deciding what car insurance policy to buy.

Can you get a great deal on car insurance because of your occupation or because you attend college?

Suppose cost matters most to you. Comparing rates between various insurance companies may not be your only option for getting a discount. Did you know that your occupation or where you attend college could also help you save on car insurance? Before you log onto the internet and start comparing rates, take time to research what kind of discounts are available based on your occupation or your status as a student.

Do certain car insurance companies offer cheaper rates than others for your occupation? Is this coverage cheaper than the options that you researched online? These are some of the things to keep in mind as you shop for great deals on car insurance coverage.

How much risk can you take with your deductible?

If you are still in the market for bargains, keep in mind that sometimes car insurance costs can rise or fall based on how much risk you are willing to take on your deductible. Are you generally a safe driver and have hardly been in accidents in the past 5-10 years? Also, can you afford a higher deductible if you should have an accident in the near future?

Generally, the lower your deductible, the higher your car insurance premium. Suppose you can risk taking a chance that you won’t be in a severe accident in the next few years. In that case, accepting a higher deductible can get you more savings on your car insurance. The choice you make is all based on your aversion to risk. Do not go with a high Comprehensive deductible, there little savings. On the Collision deductible go with Regular, not Broad form there a 10% reduction. You can still go after the other at fault driver up to $3,000 for damages to your vehicle.

If you have an accident, does your car insurance cover rental vehicles while your car is repaired?

As a result of an accident, you may be without your car for days or weeks as it gets repaired. How good is your car insurance company at covering your rental car coverages as you await your car repairs? Some car insurance companies don’t provide this service at all. Those that do may have limitations on the costs and the number of days the insurance will cover the rental car. Being clear on this is critical because you may not have access to alternative transportation to get back and forth while your vehicle is repaired.

Does your insurance cover all damages associated with natural disasters?

One of the biggest mistakes people make with car insurance is assuming that all losses are covered. For instance, water damage to your car from a storm may or may not be covered. It depends on how the damage occurred and if you have the proper insurance to cover it. You may also assume that hail damage is covered in your car insurance policy, but it may not be in some cases. If it is, there may be stipulations. You may even think that your insurance covers damages associated with a storm. A tree that falls on your car may not be covered depending on the type of insurance coverage you have.

The key takeaway is that there is much more to purchasing car insurance coverage than merely deciding who has the best rates. Sometimes a fair rate upfront can lead to a massive headache when you have to use the car insurance. These are some things to consider before deciding on a policy, but your research shouldn’t stop with this list. Reviewing your car insurance coverage annually to ensure it is still adequate is more critical than all of these considerations.

More tips and considerations

Towing: Add towing and go higher than $100 per tow. During the flooded out freeways in Michigan the State Police were charging as high as $500 to get your car out. Towing is not expensive, includes any road services.

GAP Insurance: Gap cover’s the difference the insurance company pays on a total loss and the amount you owe on a loan or the value of the leased vehicle. If it is higher than what the insurance company will pay, you’re covered for the difference.

OEM Parts: Not everyone wants aftermarket parts that mainly come from China. With this option the parts are the Original Equipment Manufactured parts, not the aftermarket parts, reconditioned parts, and recycled parts for repairs from a covered loss.

Diminishing Deductibles: Starts with an automatic $100 credit towards your first At Fault Accident, and increases each year another $100 should you be accident free, up to $500 total deductible credit. Resets back to $100 credit should you use it.

Special Tort Liability: Make sure you have this coverage. In an at fault accident, you can be responsible up to $3,000 in damages to the other persons car that you hit. That is if they have a deductible or they do not carry collision coverage.

Pet Medical: Covers injury or death to your pet. Up to $750 per pet, or $1,500 for more than one pet in an auto accident.

Waiver of Deductible Glass Damage: Waives the glass deductible, for glass replacement. Not including sunroof, and mirrors.

Complete Insurance Services, Keego Harbor specializes in providing personalized insurance coverage that meets the needs of individuals, families, and businesses. You can build your own auto insurance policy and get the best combination of coverage, value and price. Do you need a basic policy or fully loaded coverage? Our local agents are here to answer questions and ready to help you determine the best coverage for your needs.

Want to find out more about auto insurance in Michigan? Call us for a Free no obligation quote and we’ll have you out on the road in no time!

Filed Under: Insurance Coverage Tagged With: auto insurance coverage, car insurance, insurance, insurance coverage, insurance coverage add ons, insurance services in Keego Harbor, insurance services in Michigan, insurance services near me, Keego Harbor, Keego Harbor MI, Michigan auto insurance, personalized insurance policies

Umbrella Polices, Should I Have One? – Insurance Services Michigan

September 28, 2020 By Editorial Staff

Umbrella-Policy-benefits-MI-Insurance-Services-Keego-Harbor

Due to the no fault changes effective 7-2-2020, we have been writing more Umbrella polices. The reason is that more drivers will no longer have the unlimited medical protection, and also the new reform allows for lawsuits, even in the event that the other driver is at fault.

The Umbrella is a true excess policy providing coverage over your personal homeowner’s insurance, auto insurance, and any other recreational vehicles you own.

It can cover your vacation home, rental properties, boats, and other exposures you own. The question I hear is what limit of coverage should I carry? Umbrella start at $1,000,000 limits and go as high as $10,000,000.

Lawsuit payout can be huge. We have paid out $3,000,000 on a $5,000,000 umbrella in our office. There was a case where $8,000,000 was awarded for a vertebra injury after a simple fall from a porch.

The Umbrella policy does require you to carry specific minimum amounts of coverage on your homeowners and auto policies before the Umbrella policy kicks in. Coverage on your Umbrella policy is worldwide. An Umbrella policy includes Personal Injury coverages. Non owned Watercraft liability is included.

Who should carry an Umbrella policy?

You should, if you want protection from lawsuits and have a home, auto, or recreation vehicles, a boat, or any rental property.

If you need personalized insurance coverage, call us for a Free Quote! 248-682-1510

Filed Under: Insurance Coverage Tagged With: auto insurance coverage, benefits of umbrella policies, commercial insurance, insurance, insurance services in Keego Harbor, insurance services in Michigan, insurance services near me, Keego Harbor MI, residential insurance, umbrella policies, why you need an umbrella policy

Call for a Free Quote

Call for a FREE Quote
(248) 682-1510

Trusted Choice

Trusted_Choice

  • Independent Insurance Agents
  • Michigan Assoc. Independent Agents
  • Waterford Chamber of Commerce

Specialized Insurance Plans

Specialized Insurance Plans

  • Retirement Insurance Plans
  • Bonds Insurance Plans
  • Special Events Insurance
  • General Liability Insurance Plans
  • Motorcycle, Watercraft, and RV Coverage

Personalized Insurance Coverage

Personalized Insurance Coverage

  • Homeowners Insurance
  • Auto Insurance Coverage
  • Life Insurance Coverage
  • Medical Insurance Coverage
  • Business Insurance Coverage

Contact Information

Contact Information

Complete Insurance Services, Inc.
1717 Cass Lake Rd, Keego Harbor, MI 48320

Phone: (248) 682-1510
Fax: (248) 682-1703
Email: admin@completeins.com

Copyright © 2023 · Complete Insurance Services, Inc.