Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. Why do I need PIP on my auto policy?
  2. Why do you need to know about my medical coverage for an auto quote?
  3. What is PPI and why is this on my policy?
  4. What is Mini Tort or Special Tort Liability?
  5. What is the MCCA? Do I need this?
  6. What is a Multi-Policy discount?
  7. Does Devette & Ford offer coverage for Seasonal Homes?
  8. Will it affect my insurance if my home is on the vacation rental market?
  9. Why can't I just have PL/PD auto insurance?
  10. Why should I have a seperate boat policy?
  11. Who is Max?
  12. How much life insurance do I need?
  13. Why do you need my condominium association bylaws?
  14. Do I need to add my teenager to my auto policy?
Why do I need PIP on my auto policy?
PIP stands for Personal Injury Protection.  This coverage is for YOU and your household members.  This coverage is part of the Michigan No-Fault coverages and provides you with unlimited medical coverage if you are injured in an auto accident in the State of Michigan.  This coverage also provides some additional coverage for lost wages and other benefits if applicable.  Feel free to ask your agent what coverage's are included in your PIP benefit.

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Why do you need to know about my medical coverage for an auto quote?
Under the PIP coverage on your auto policy, you are able to coordinate your medical coverage with your health insurance company, IF your health insurer will be the PRIMARY payor for your auto accident injuries.  If you have Medicare, Medicaid or a very basic health plan, you will be required to have FULL PIP Medical coverage on your auto policy.  Only if your health insurer will be the primary company for auto accident injury can you coordinate your medical on the PIP, making the auto insurance the EXCESS PIP carrier.  If you are not sure, select FULL PIP benefits to prevent having to pick up the excess cost on your own if you are injured!

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What is PPI and why is this on my policy?
PPI stands for Property Protection Insurance and provides up to $1,000,000 in coverage for property damage if you are in an auto accident in the State of Michigan.  A separate coverage called Property Damage Liability, which has a limit stated on your policy declaration page, would apply for any property damage from an auto accident outside the State of Michigan.

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What is Mini Tort or Special Tort Liability?
Under Michigan No-Fault Insurance, each individual is responsible for the damage to their own vehicle and need to carry collision insurance to cover the damages to their car.  However, there is one exception, this is the Mini-Tort coverage.  If you were NOT at fault in an auto collision but sustained damage, you can file a "Mini Tort" claim with the At Fault Driver's policy,  for your deductible reimbursement or for the damages (if you didn't have collision coverage), up to $1,000.00.   The coverage on YOUR policy would pay this claim on your behalf  to a claimant, if someone filed a Mini-Tort claim against YOU.  

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What is the MCCA? Do I need this?
The MCCA stands for the Michigan Catastrophic Claims Association.  This association picks up where your insurance company leaves off, to pay the bills if you are injured in an auto accident.  This is how you are able to have Unlimited Medical in the event of an auto accident in the State of Michigan.  Each year, the MCCA determines how much money they need to assess for each insured vehicle to keep the funds in place for the payment of the unlimited medical coverage.  If the current balance in the fund if good, your MCCA fees may be kept level or even reduced.  Some years the MCCA determines a need to increase the fee assessed to build up the fund.  This fee is MANDATORY on each insured motor vehicle on your policy that is licensed for road use.

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What is a Multi-Policy discount?
A multi-policy discount is a credit applied to your policy if you have more than one type of insurance with that company.  Not all companies offer a multi-policy discount, so be sure to ask if your company does.  Often times the discount for having a home or renters policy paired with an automobile policy is quite significant.  This is a discount worth checking out.

Some companies also offer a Life Multi-Policy discount, which provides you with an additional discount on your home and auto policies if you purchase a life insurance policy with them as well.  This discount can often amount to enough savings to cover the cost of the life policy!  Be sure to ask your agent about this option.

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Does Devette & Ford offer coverage for Seasonal Homes?
Yes!  We specialize in seasonal home insurance!  Any of our agents would be happy to help you!

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Will it affect my insurance if my home is on the vacation rental market?
The short answer is Yes, it may!  Be sure to ask your agent about this before putting your home on the vacation rental market.  Your agent will know if your insurance company allows rentals or not and if you should add any additional coverage's.  Additionally, your agent can advise you if they need to switch you to a company that does allow rentals and if so, how many weeks a year you would be able to rent out the home to meet the company guidelines.  The good news is that Devette & Ford specializes in Seasonal and Vacation Rental business!  As independent agents, Devette & Ford has several companies at their fingertips to provide you with the best coverage options for your specific needs.


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Why can't I just have PL/PD auto insurance?
Michigan No Fault Law requires the following coverage's on your auto policy:

Personal Injury Liability (PL)
Property Damage Liability (PD)
Personal Injury Protection (PIP)
Property Protection Insurance (PPI)
MCCA + Other Statutory Fees

The following coverage's are OPTIONAL:

Uninsured Motorist Liability
Underinsured Motorist Liability
Mini Tort Liability (Special Tort Liability)
Collision Coverage
Comprehensive Coverage (Other than Collision)
Towing/Road Service
Rental Reimbursement
Gap Coverage
Customized Items

Some companies also offer optional endorsements that provide additional coverage's, such as new car replacement valuation and pet liability.  Check with your agent to see what additional coverage's are available with your insurance company.



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Why should I have a seperate boat policy?
Many homeowners companies allow you to add your boat to your home policy.  However, these coverage's are really designed for the occasional recreational boater with a small craft.  Higher powered and higher valued boats benefit by having their own policy.  The coverage's are designed specifically for the boat owner with broader coverage's and more options available.  In addition, should you have to file a claim, it would be separate from your home policy and not affect your homeowner's insurance rates.

Any boat used for business purposes will always need a separate boat policy.

Be sure to discuss the options with your agent to find out what is best for you!

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Who is Max?
Max is our office mascot and protector!  He also often leads a staff member to and from the post office each day.  He loves people, but he wants you to feed him a treat before he will befriend you.  Just take a doggie treat from the basket on the counter as you enter the office.  Toss Max the treat and he will be your best friend!

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How much life insurance do I need?
Everyone's needs vary, so to assist you in determining how much coverage would  give you the coverage your family would need, we have a Life Insurance Needs Calculator on our Calculators page.  Just remember:  Some is better than none!  Even if you have a small budget, there is a life insurance plan available for you! 

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Why do you need my condominium association bylaws?
The best way for us to determine the amount of coverage you need on your condominium is to know which condominium association you belong to and review a copy of their bylaws.  Some associations insure the entire building, so all you need to do is insure your contents and any improvements you make to the building.  However, more and more condominium associations are scaling back their own insurance coverage for cost savings and passing that responsibility on to you.  Thus, you may be responsible to insure from the studs in or from the drywall in, or even, the entire unit.  Therefore, to provide you with the coverage you need in the event of a loss, we need to know what exactly you are required to cover.  We don't want you to come up short in the end! 

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Do I need to add my teenager to my auto policy?
Yes.  Once your teen is a licensed driver, it is your responsibility to contact your insurance company, by means of your agent, and advise them of the new licensed driver in your household.  The driver will be assigned to a vehicle, so be sure to specify which vehicle he or she drives and how often.  If there are less cars than drivers, the youth will be added to one of the vehicles as an occasional driver.  If there are equal cars per driver, or more, a car will be assigned solely to the youth as the primary driver.  Again, be sure to specify which vehicle the youth drives.  Remember, your insurance company is there to provide you with insurance protection, be a proactive partner with your company.

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