Insurance Insights

Beginning July 2, 2020, when you renew your auto insurance policy, you’ll have some important decisions to make under the new Michigan Auto Insurance Reform Law. The new law is centered on changes to the Personal Injury Protection (PIP) portion of your auto insurance premium. PIP covers medical and rehabilitation costs if you’re in an auto accident and you’re injured, whether temporarily or permanently.

There has been a lot of talk lately about the new Michigan Auto Insurance Reform Law. Starting July 2, 2020, many changes to the existing no-fault auto insurance law will take effect in an effort to make Michigan auto insurance more affordable and decrease the number of uninsured drivers.

It’s pretty simple: Drivers with a record of accidents and moving violations (including speeding tickets) typically pay higher insurance premiums than those with a clean driving record. In fact, industry experts have stated that even a single ticket could increase your auto premium by 22%.

Personal protective equipment, or “PPE,” is equipment worn to minimize exposure to hazards that can cause serious injuries. The typical construction worksite incorporates a wide range of activities including a number of potential safety hazards that require PPE every day. Simply stated, failing to use the prescribed equipment can put you in danger.

A recent survey indicated 53% of businesses in the United States reported being the victim of a cyber attack in 2019. And the forecast doesn’t look good for 2020. Cyber security experts predict an increase in cyber attacks in terms of both frequency and severity while warning that businesses of all sizes can be targeted.

Construction sites are dangerous places to work. In fact, the injury rate for the construction trade is higher than the national average across all industries. Fortunately, when you have sufficient knowledge, preventing accidents is easier than you might think. Here are the four most common construction site hazards.