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Charles Bender Agency, Inc Blog

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Your Share of the Premium   A deductible is basically the amount “deducted” from an insured loss. Deductibles have been an essential part of the insurance contract for many years and represent a sharing of the risk between the insurance company and the policyholder. READ MORE >>

What does No-Fault Insurance Mean?   No-Fault is an auto insurance system in Michigan and 12 other states.  No-Fault is a form of insurance where individuals who are injured in an auto-related accident receive benefits from their own auto insurance company, regardless of who is at fault. READ MORE >>

Where Does the Auto Premium Go? Insurance companies basically do three things with the premiums collected.  They:   pool the money to pay claims;  pay for expenses involved in selling and providing insurance protection; and   READ MORE >>

In Michigan, drivers are required to purchase three coverages: Personal Injury Protection which provides medical benefits for you; Property Protection covers property of others you hit; and Residual Liability provides legal benefits if you are sued.  Here's the breakdown:   READ MORE >>

Have you ever stepped out of the kitchen while waiting for water to boil? Or accidentally left something plugged in all day? Or turned the dryer on right before going out? If you’re nodding your head, you can consider yourself lucky. Because believe it or not, all of the above can be quite catastrophic. READ MORE >>

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