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1. If my automobile is involved in an accident, do I always need to secure two estimates?
Estimates are not required if you select a Frankenmuth Auto Direct Repair collision shop. Please see our "Auto Direct Repair Program" under Claims Services. You may take your vehicle to an ADRP collision shop to begin repairs immediately.
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2. Does my comprehensive deductible apply if my windshield is repaired from a stone chip?
No. The deductible applies only if the entire windshield is replaced.
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3. Does a deductible apply to my Michigan Personal Injury Protection (PIP) benefits if I'm injured in an accident?
A deductible may apply if you purchased a coordinated policy and one of the following occurs: you are on Medicare/Medicaid, your primary group health carrier is a self-funded qualifying ERISA plan, or your primary group health policy contains an auto exclusion.
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4. If my home, business or vehicle is vandalized, or my personal property or vehicle is stolen, what should I do?
Please notify the police and contact us by following "How to Report a New Claim"under Claims Services.
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5. If my home or business sustains damages, what should I do?
Please protect your property from further damage and notify us by following "How to Report a New Claim" under Claims Services.
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6. If a tree falls on my home during a windstorm, does my homeowner's policy provide coverage to remove the tree from the home and the premises?
Yes. We will pay a reasonable amount to remove the tree from your home and an additional amount up to $500 to remove the tree from your premises. Your policy also provides coverage for repairs to your home. Please notify us by following "How to Report a New Claim" under Claims Services.
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7. Does my homeowner's deductible apply on every claim?
Yes. The deductible applies on a per occurrence (per claim) basis. If multiple claims occur in a policy year, a deductible applies each time a separate claim takes place. Carrying a higher deductible may result in lower premiums. Your local agent can assist you.
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8. My jewelry is scheduled on my homeowner's policy for a specific amount. Is this the amount I receive if my jewelry is lost or stolen?
You will receive the replacement value subject to the specific limit. This is based on the same kind/quality of the item lost or stolen. Replacement of the article is required. We have a replacement service, which can assist you in replacing the lost or stolen article. Please notify us by following "How to Report a New Claim" under Claims Services.
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9. How do I report a Workers' Compensation claim if I'm injured in my employment?
Please notify your employer to complete a report of injury form and notify us immediately.
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10. If I received Workers' Compensation benefits, will I receive a W-2 form for these benefits?
No. Workers' Compensation benefits are nontaxable.
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11. If I'm served with a lawsuit, what should I do?
Please notify us by following "How to Report a New Claim" under Claims Services. We will determine if your policy provides coverage based on the allegations of the complaint.
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