Dedicated representatives for our members.
Melissa was born and raised in West Michigan. She began her career with Liberty Mutual Insurance in 2001 and has been licensed to sell auto, home and life insurance since 2003. Melissa is married with 2 children. Her family enjoys spending time together looking at the beautiful lighthouses in Michigan. Give Melissa a call to review your insurance needs.
Auto Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Your credit union enables this insurance program to be offered and is entitled to compensation from TruStage.
Quarterly Insurance News
2020 AUTO REFORM
Michigan Auto Reform is just around the corner! Beginning July 1, 2020, you will be allowed to opt out of buying personal injury protection (PIP) as part of your auto insurance if your health plan covers auto injuries. This means that motorists in Michigan can now select the amount of medical coverage they want when purchasing their auto insurance policy. Historically, all drivers were required to carry unlimited PIP medical coverage for auto accident injuries. This law is positioned as financial relief for Michigan drivers, who pay some of the highest insurance rates in the nation.
What are my options? The new law will allow you to choose from 5 different levels of PIP medical coverage for your auto policy: zero, $50,000, $250,000, $500,000 and unlimited. In order to select zero or $50,000, you will be required to provide verification that you and your family members are covered by Medicaid, Medicare Parts A and B or a Qualified Health Plan. If a health plan is not qualified, it will exclude medical claims related to an auto accident.
What does this mean for me? It is critical to understand how this new law impacts you! Having improper or zero PIP coverage could mean you are “on the hook” for a portion or all of your medical bills resulting from auto accident injuries.
What should I do? Having a trusted insurance agent has never been so important! If you have questions and/or would like a new auto quote to find out how reform impacts your premiums, reach out to Melissa Price.
Working together as the most trusted resource to help our members' financial lives be simply better.