Vehicle Insurance Agency

There are several reasons why insurance premiums may increase. These can include changes in the risk profile of the insured individual or business, such as an increase in claims, changes in the regulatory environment, inflation, and changes in the overall cost of providing coverage. At poolejackson, we strive to help our clients understand the factors affecting their insurance premiums and work with them to find ways to manage costs while maintaining the right level of coverage for their needs. We believe in transparency and open communication, so if you have questions about premium increases, please don't hesitate to reach out to your dedicated poolejackson agent for personalized assistance.

In most cases, if your children are away at college and do not have their own vehicle, they can remain covered under your auto insurance policy while they are living away from home. However, it's crucial to inform your insurance provider about their status and provide details about their location and usage of any vehicles. Some insurance companies may require you to specify whether your children are occasional drivers or primary drivers of the insured vehicles. If your children have their own vehicle registered in their name, they may need to obtain their own insurance policy, although they could still be covered under your policy if they regularly drive your vehicles. It's essential to review your policy terms and consult with your insurance provider to ensure that your children have adequate coverage while they are away at college.

No, you do not have to come in person to get insurance from Poole & Jackson. We understand the value of your time and offer the convenience of obtaining insurance over the phone. Our experienced agents are available to discuss your insurance needs, provide personalized guidance, and assist you in finding the right coverage without the need for an in-person visit. Simply give us a call, and our team will be happy to help you with all your insurance inquiries and requirements.

If you need to file a claim with your insurance company, there are several steps you should follow:

1. **Notify Your Insurance Company:** Contact your insurance company as soon as possible to report the incident and initiate the claims process. You can usually do this by phone, online, or through a mobile app.

2. **Provide Information:** Be prepared to provide detailed information about the incident, including the date, time, location, and description of what happened. You may also need to provide information about any other parties involved and any witnesses to the incident.

3. **Gather Documentation:** Gather any relevant documentation to support your claim, such as photos of the damage, police reports, medical records, and receipts for any expenses related to the incident.

4. **Cooperate with the Investigation:** Your insurance company will likely conduct an investigation into the claim, which may involve speaking with you, other parties involved, and any witnesses. Cooperate fully with the investigation and provide any additional information or documentation requested.

5. **Follow Up:** Stay in communication with your insurance company throughout the claims process. Follow up as needed to check on the status of your claim and provide any additional information requested.

By following these steps and cooperating with your insurance company, you can help ensure that your claim is processed smoothly and efficiently.

Yes, Michigan law requires all vehicles to be insured with at least the minimum coverage amounts for liability insurance. This coverage includes bodily injury liability and property damage liability to protect against damages you may cause to others in an accident.

Your deductible is the amount you'll pay out of pocket before your insurance coverage kicks in. A higher deductible typically results in lower premiums, while a lower deductible means you'll pay less out of pocket if you file a claim. Consider your financial situation and how much you're willing and able to pay in case of an accident when deciding on a deductible.

Comprehensive Coverage, is a type of auto insurance that provides protection against non-collision related damage to your vehicle. This includes damage from fire, vandalism, theft, and weather events such as hail or floods. Comprehensive Coverage can also extend to coverage for broken glass (e.g., windshield) and damages caused by animals. By opting for Comprehensive Coverage, you can have peace of mind knowing that your vehicle is protected from a wide range of potential risks beyond just accidents. This coverage can be especially beneficial for clients who live in areas prone to natural disasters or high rates of vehicle theft. Additionally, by adding Comprehensive Coverage to your policy, you can ensure that your investment in your vehicle is safeguarded in various unexpected circumstances. Working with our experienced agents, we can tailor the Comprehensive Coverage to fit your specific needs and budget, providing you with the best possible protection for your vehicle.