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Insuring Michigan Since 1979

We strive for professional, personalized, friendly service with the best possible rates!
Auto, homeowners, commercial or umbrella.  We have the right coverage for you.

NO-FAULT INSURANCE is required by law in Michigan

Every owner of a car must buy certain basic coverages in order to get license plates. It is against the law to drive or let your car be driven without no-fault insurance



Effective July 2, 2020 there is a new insurance law that changes many of the coverages on our Michigan insurance policies.  We will be sending you new information as we hear from the insurance companies as they develop the new rules, rates and coverages.

MEANWHILE, there are 2 situations we feel it is very important you are aware of right now.

  • If you have a non-relative currently on your insurance policy, the law states that they NOW need to be listed as a named insured (not just a driver on your policy) or they are NO LONGER COVERED for personal injury. If you have this situation, please contact your agent immediately!

Currently, if someone is injured in the state of Michigan in an automobile accident all their medical bills are covered under the no-fault portion of their insurance policy.  You currently have UNLIMITED medical coverage.  Effective July 1, 2020, people will have the option to purchase LIMITED medical coverage.  There may also be an option to opt out of medical coverage altogether. 

  1. WHAT DOES THIS MEAN TO YOU? This means lawsuits from auto accidents will significantly increase.  While currently people can’t sue you for their medical bills in the state of Michigan because they are already covered, effective July 1, 2020, if you injure someone and they do not have sufficient coverage, THEY CAN SUE YOU FOR THE UNCOVERED MEDICAL BILLS.
  2. THE PROBLEM IS….Your policy likely does not renew July 1, 2020. An example, If your policy renews September 1, 2020 and you have an accident and injure someone August 15, 2020, your currently bodily injury liability limit will apply.  What previously might have been sufficient, may no longer be enough. 
  3. Effective renewals following July 1, 2020, the state of Michigan Insurance bureau will require all insurance companies to renew their clients with bodily injury liability limits of $250,000/$500,000.  This in no way implies that this limit will be sufficient to cover your liability needs.  We are recommending that you review your liability coverage and consider increasing your liability coverage NOW to a higher limit than you currently carry, so that effective July 1, 2020 you will already have increased coverage in effect.
  4. HOW MUCH COVERAGE IS RIGHT FOR ME? That is a conversation that your agent can guide you in.  We also have $1,000,000 Umbrella liability policies available that give you an additional $1,000,000 coverage for liability.

You’ve worked hard to gain the assets you have.  It is important to protect yourself from expensive lawsuits and have peace of mind.  Give us a call and we will be happy to answer all your questions.

Umbrella Policies

Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies.

With insurance laws changing in Michigan, umbrella policies are more necessary than ever.  Up until July 1, 2020, every driver in Michigan has unlimited medical coverage on their auto policy.  This coverage greatly reduces lawsuits for personal injury.  However, after July 1, 2020, people will have an option to significantly reduce their medical coverage, which will greatly increase the personal injury lawsuits in the state of Michigan.

 An umbrella policy is an extra liability policy that covers you over and above your personal auto, home and recreational vehicle insurance.

It’s very important to review your auto insurance policy with your independent agent prior to July 1, 2020.


We Give Back

Whether it's locally or globally, we look for opportunities to highlight charities to serve, donate and help wherever we can. Got a favorite cause?  Give us a call, we'd love to hear about it!

“Main Street Insurance set us up with a very competitive policy which saved us money on our auto and home owners insurance. Jim is very knowledgeable and guided us through the process successfully. We were set up with Citizens Insurance and unfortunately had to file a claim shortly after the policy started. Citizens was awesome, best experience with auto insurance we have ever had. They were very easy to work with and took good care of us. In the end the policy and coverage Jim helped us set up worked out very well."

-Steven L. Client Since 2016

“We love they way our Insurance agent works to give us the best deal possible. He is always available for questions. He was so helpful when our daughter past her rode test and was ready to get driving, getting the insurance information to the Secretary of State office just before closing time.”

— Jeff D., customer since 2016

“Working with Jim is a blessing. He is always available to help ... even on holidays. That has come in handy for my me and my family more than once. Great service every time!”

— Darius C., customer since 2016

“Main Street Insurance has been serving Rochester for a very long time! Ann and her staff offer wonderful customer service and attention to detail. I'm confident that I'm going to get the facts when I speak with them and that the policy will match my needs! I really feel knowing who your insurance agent is key!! I'd recommend their services to anyone!”

— Lori L.

“We love they way our Insurance agent works to give us the best deal possible. He is always available for questions. He was so helpful when our daughter passed her rode test and was ready to get driving, getting the insurance information to the Secretary of State office just before closing time. Best prices we ever paid for our home, 2 cars, 1 truck and a camping trailer.”

— Colleen D.

“Not only does Main Street take care of my personal insurance needs, I have also referred the majority of my clients to Main Street. I have heard nothing but praise when I check with my clients on their satisfaction. Most comments are, "Responsive", "Caring", "Honest"!! Their are times when Main Street just isn't the right choice but they don't seem to cut corners just to secure the business.”

— James K.

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