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AUTO - HOME - COMMERCIAL

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.

Why would I need an umbrella policy?

No-Fault Reform Creates Options for Personal Injury Protection (PIP) beginning July 1, 2020

One of the most talked-about changes to No-Fault Auto laws in Michigan is the option to choose unlimited PIP or a lower PIP coverage limit. The choice you have to lower your PIP limit is intended to lower your insurance costs. However, these choices also create the possibility that your PIP coverage won’t be enough to cover your medical costs from an auto accident. What this means to you is that you’d need to sue the at-fault party to cover your unpaid medical expenses. (Assuming there’s an at-fault party to sue!)

We’ll Soon Be Seeing More Lawsuits and Higher Awarded Damages

If you injure someone in an auto accident who didn’t choose unlimited PIP coverage, they could sue you for their uncovered medical and related costs. The liability coverage on your auto policy would respond by providing you with legal protection and if necessary paying awarded damages. It’s time to take another look at how much liability coverage we have on our auto policies!

An Umbrella Policy Offers You the Best Protection in the Event of a Lawsuit

The Umbrella Policy is the ultimate “lawsuit protection policy”. It provides additional liability coverage over and above (hence the term “umbrella”) your home and auto policies.
How much will an umbrella policy cost you? On average you can get one million dollars of coverage for less than $15 a month. Dollar for dollar it is one of the least expensive policies you can buy. Plus many insurance companies will offer you multi-policy discounts when you purchase an umbrella policy that will lower what you pay for home and auto insurance.

Is Your Financial Future Protected If You Are In An Accident?

Want more “peace of mind” regarding lawsuits? Please contact us today! We can talk you through your current policy limits, and how the Umbrella policy can protect your financial future!

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.

INSURANCE WITH A MISSION TO SERVE!

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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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