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Do you really understand your insurance policy?

Most Michigan insurance policies have similar sections.  Knowing your policy will help ensure you have the best coverage available for your needs and will help you avoid problems in the event of a loss. There are typically basic parts to your insurance policy: Declaration Page This is usually the ...

Why Get an Umbrella Policy?

Umbrella Policies Why get an umbrella policy? While your primary insurance policies contain liability protection, if a judgement is levied against you for serious damages to someone else's property or reputation, or if you cause bodily injury, or even death to another person, your liability limits can be exhausted ...

What to do after an accident in Michigan

At times you may not be aware what to do after a car accident in Michigan, but having the independent insurance agency R.A. Monk Insurance Agency on your side, we can give you peace of mind.  You must have the right auto insurance in place first, so review ...

Choosing the right insurance company in Michigan

Sometimes, it can be difficult for consumers to find the right insurance company.  By using an independent insurance agency, we can shop many different carriers to find the best coverages at an affordable price to fit your needs.  Each carrier has different plans & pricing, and at R....

Important questions to ask your Michigan insurance agent

There are some key questions you may want to ask when taking to your Michigan independent insurance agent.  Here are some R. A. Monk Insurance Agency has added to help when searching for insurance. How much insurance should I get?  There’s no single amount that fits all, ...

Auto Insurance Reform

Michigan’s new no-fault accident insurance legislation, passed in spring 2019, goes into effect this July. The impact of the changes reaches far and wide, from consumers and auto insurers to commercial carriers and health attorneys. Before we get into the specific changes, let’s take a quick step back in time for a little context. The rise of no-fault accident insurance occurred in the early 1970s, in a legal attempt to simplify the claims process, compensate accident victims in a timely and equitable manner, and ...