|
||
|
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. |
||
|
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. |
||
|
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. |
||
|
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. |
||
|
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. |
||
|
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. |
||
|
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. |
||
|
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. |
||
|
10. If I received Workers' Compensation benefits,
will I receive a W-2 form for these benefits? No. Workers' Compensation benefits are nontaxable. |
||
|
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. |
||
