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Consumer Tips

• Auto Consumer Tip

Who’s Name is on the title of YOUR car?
The name on the title of your vehicle must match the named insured on your auto policy!

Under Michigan Law, the named insured on an insurance policy must have an insurable interest in the property. Insurable interest has been defined as ownership of the property or would suffer a financial loss due to damage to the property.

Situations where claims could or have been denied:

• Named insured was insuring a car that was titled in ex-spouse’s name
• Named insured was insuring a car that was titled in a parent’s name
• Named insured was insuring a car that was titled in a girl/boyfriend’s name
• Named insured was insuring a car that was titled in their children’s name

• Homeowner Consumer Tip

Ice Dams – What are they and what do they have to do with your home?

Every year, ice dams cause serious damage to homes, which result in serious claims on homeowner policies.

What is it? - An ice dam is a ridge of ice, which builds up at the edge of the roof. This ridge forms a dam, which doesn’t allow water to flow off the roof properly. The water then finds its way back up through the shingles and down into your walls and ceilings. Imagine the potential for damage to your home and personal property!
Prevention of ice dams – Make sure eavestroughs are clear of debris before winter weather arrives. Keep your attic cold by making sure your home is well insulated so that little heat escapes into the attic. Remove unmelted snow from your roof (3-4 feet above the eaves) so that it allows the water to drain properly.

• Life Insurance Consumer Tip

Life insurance should be the foundation of everyone’s financial planning.

Regardless of age, everyone needs life insurance protection. For Children, this need is not measured by current financial obligations, but by what the future will hold. Unforeseen health conditions in the future could prevent your child from qualifying for life insurance coverage at a reasonable price or could make them uninsurable altogether.

Auto Owners Children’s Advantage Plan provides permanent protection with guaranteed coverage increases 50% at both age 18 and 25. What a great gift for the future of your child or grandchild!

1159 Trowbridge Rd. East Lansing, Michigan Voice: 517-332-8671 or 800-728-3708 FAX: 517-332-8423

325 N. Clinton Ave. St. Johns, MI 48879 Voice: 989-224-3551 or 888-315-0178 FAX: 989-224-0895