We're Here To Help
With All Your Insurance Needs

What are they saying?

Joe,
Thank you for taking great care of us on our insurance. You and your team at Hartland Insurance have been wonderful to work with. Most agents wouldnít answer a phone call on a beautiful Saturday morning on Memorial Day weekend to add a vehicle to a clientís policy. You did and it made our recent vehicle purchase quick, easy, and it saved me a trip back to the dealer. Not only do I get great service with you and your company but I also get a great policy at a great price. How do I know itís a great policy? I know because you and I walked through each of the points to ensure that I had adequate coverage. How do I know itís a great price? I know because Iím paying less on newer vehicles than I did for older vehicles on our old insurance. I always liked your BNI tag line ďHartland Insurance, where itís not just a piece of paper, itís piece of mindĒ but now I can truly say I get it.

~ John and Sylvia Laman

Education Articles/Links

Helping You Understand the MCCA

What is the MCCA and why does it exist?
The Michigan Catastrophic Claims Association (MCCA) is a non-profit association established in 1978 by the Michigan Legislature. As present, the MCCA pays for all medical expenses for people with auto-related medical injuries that exceed $325,000. This state mandated law requires the MCCA to assess insurance companies an annual fee on each registered automobile and motorcycle the company insures in Michigan. This assessment is incorporated in the rates policyholders pay for their auto insurance. Since 1978, the MCCA has processed approximately 16,900 injury claims and has paid out more than $3 billion toward medical coverage. More than 9,400 claims remain open and continue to receive payments through the fund.

Why did the MCCA assessment increase so dramatically?
The higher fee is needed to replenish the MCCA because a $3 billion surplus in a statewide fund to cover catastrophic injuries was depleted through refunds and credit to drivers.

Can Michigan motorists pay too much for auto insurance?
Auto insurance rates for Michigan policyholders rose at a slower rate than the national average. Michigan's auto insurance rates increased an average of 7% last year, while the national average increased by 8.5%. According to the most recent figures available, Michigan ranked 18th in the nation in average auto insurance premiums. It is important to remember that no state has a more generous benefit package than does Michigan. Our state is the only one in the nation to provide unlimited medical and rehabilitation benefits for life (which is paid for through MCCA assessments). Consumer Reports Magazine has repeatedly hailed Michigan's No-Fault Insurance Law as the nation's best, saying "The most successful no-fault law is in MichiganÖit puts more dollars into the hands of the injured people and fewer in the pockets of attorneys."

Links

-Ice Damming Safety Techniques & Tips

Recieve Email Updates


Request A FREE Quote

What are you looking for?






We Are Trusted Choice
We Carry Golden Rule We Carry American Collectors Insurance We Carry EMC We Carry Accident Fund We Carry Celtic