General Questions
What States is your agency licensed to do business in?
Have you checked all of your markets for the best price?
Which limit of liability should I choose? Doesn’t the attorney usually just settle for the limit on the policy?
What is the difference between Replacement Cost and Actual Cash Value and why can’t I just insure my building for what I paid for it?
What is co-insurance and how does it work?
Are payment plans available?
Can I buy flood insurance?
Why did my rates/premium go up?

Worker's Compesation Questions
How does an insurance audit work?
How does the state compute my experience mod. factor, and when does a problem claim cease to affect me?
Should I pay some of my employees’ bills for injuries instead of submitting them all so they don’t affect my mod factor?
Are volunteers covered under my Workers’ Compensation policy for injury? If not, will the General Liability pay?
How do I make sure that the employees I hire don’t have a “history “ of injuries at previous employer’s?
What does remuneration under WC include?
How much will my workers’ compensation policy cover for medical and loss of wage?
Does it pay immediately?

Personal Auto Questions
Is there coverage for rental vehicles extended from an auto policy?
Do I have coverage extended to a rented auto if I am listed on a policy as a driver?
Regarding Michigan No Fault insurance, who pays for the damage to an insured vehicle when it is determined the insured was not at fault?
Who pays for injures in auto accidents, if I am not at fault?
When do I have to add my youthful driver to my policy? (This driver is just starting driver training.)
Do I have any coverage for physical damage to my auto if I do not carry collision coverage.
Insured has recently retired and is now receiving Medicare Benefits. Should his Personal Injury Protection coverage be reviewed?
What are BI and UM/UI?
How long do insurance companies charge for violations?
What is the difference in the three collisions?
Is my neighbor covered if he drives my car?
Why do you ask if I have medical insurance?
What is the MCCA?
Why should my insurance pay if it was not my fault?
Do I have to carry medical coverage?
Do I have to carry wage loss coverage?
Can I just get glass coverage?
Can I have PLPD and towing?
If I am involved in an accident and my car is tied up for repairs, will my policy cover the cost to rent a vehicle?
Is a deer strike covered under Comprehensive or Collision coverage?
Do I have to pay my deductible if my vehicle is involved in a hit and run?

Home Owner Questions
The insured has a “Dwelling Under Construction” clause on their policy. When does this have to change or does it?
Why do I need to insure my home for its replacement cost if I don’t intend to rebuild or replace it?
How do I determine how much insurance I should carry on my home?
Does my homeowners policy cover my basement leaking?
Does my homeowners policy cover my recreational vehicles?