The Importance of Regularly Inspecting and Maintaining Your Tires

Here at North Coast Insurance Services, providing auto insurance throughout the greater Lexington, MI area, we are often asked what advice we would give to help individuals avoid automobile accidents. While you cannot avoid every type of accident, properly caring for and maintaining your car’s tires can play a key role in minimizing the automobile accidents individuals are involved in.

Here is why it is important to regularly inspect and maintain the tires on your car:

What Should You Look For When Inspecting and Maintaining Your Tires? 

As you inspect and maintain your tires, you should check the tread of your tires, look for any damage, such as bulges or nails, and ensure your tires are properly inflated per your car’s manufacturer. If the tread is low or you see the damage, it may be time to repair or replace your tires. 

Why is Inspecting and Maintaining Your Tires So Important? 

If your tires are damaged, you increase the chances of a blowout occurring, which can cause an accident. If your tire tread is low or your tires are not properly inflated, your car may not grip the road as well as it should, which can cause your car to slide, skid, or fishtail. Your tires play a key role in your safety on the road, and as such, they should be inspected and maintained at least once a month. 

Get Auto Insurance Today

Properly inspecting and maintaining your tires is one of the best ways to reduce the likelihood of you being involved in an automobile accident. However, you cannot prevent all car accidents from happening. If a car accident happens, you want to ensure you have auto insurance that fully covers you should that happen. Here at North Coast Insurance Services, serving the greater Lexington, MI area, we would love the opportunity to work with you to help you find the best auto insurance policy for your needs. Reach out to us today to start the process. 

Who Should Consider Obtaining Commercial Insurance?

Business owners and contractors in Lexington, MI are not legally mandated to obtain general commercial liability insurance, though employers with one or more employees working 35-plus hours a week must have worker’s compensation indemnification by law. This also applies to situations where three or more staff members are employed concurrently, regardless of hours worked each week. 

Consider Obtaining Commercial Insurance

One reason you may need to consider purchasing a commercial policy is that businesses and potential clients can require you to be covered, citing this stipulation in their contracts. This protection helps provide security for all parties in your day-to-day operations and enables you to engage in business with a greater pool of clientele. 

Commercial insurance serves to shield you from financial loss in the event of unforeseen occurrences. Depending on your industry, the risks you face can include damage to your property from severe weather or fire, causing your building to undergo extensive repairs. Theft and vandalism may also be potential threats. Your physical assets, such as heavy equipment, can be liable for breakage through accidents or other employee actions.

Your knowledgeable North Coast Insurance Services agent can discuss your needs in more detail and will be happy to tailor a policy specifically to your needs. If you welcome customers, subcontractors, and visitors onto your premises, you may wish to consider the potential liability in the event of slips and falls and the resulting costs, such as medical bills and lawsuits. In addition, you may be responsible for any monetary issues that arise due to faulty products, advertising mistakes, or services rendered. 

Contact Us Today

North Coast Insurance Services is available to answer any questions you may have regarding the types of commercial coverage we offer, and we invite you to reach out to us today. We take pride in serving the Lexington, MI region, and we look forward to working with you. 

Why Home Insurance Is So Important

If you own a home, it’s a great way to build up equity and wealth and make your housing payments work for you. When you own a home, it’s important to have a home insurance policy to protect both it and yourself. Going without this important coverage opens you up to everything from lawsuits to financial ruin after a damaging event. If you don’t yet have a home policy for your home, give us a call now at North Coast Insurance Services in Lexington, MI.

It’s Usually a Requirement

In many cases, you are required to have home insurance to protect your investment. This is true when you have a mortgage or a second mortgage. The lender will require you to have the home covered by insurance so that their investment in it is protected. You will likely have to show proof that you have this insurance when you go to sign the papers at your home closing. Many homes today are in areas that have a homeowner’s association, or HOA. When you live in one of these areas, it’s generally required by the HOA that you keep home insurance on your property. That makes it unlikely that a home will be damaged and stay that way because the owner can’t afford to fix it.

Different Types of Coverage

There are many ways that a home insurance policy protects a homeowner. It will pay for repairs after the home is damaged by a covered incident. It will cover all of the items inside your home in the same circumstances so that they can be replaced. It even covers your liability in case of an injury on your property. 

Get Home Insurance Today

Every home should always have this coverage. To get started, call us at North Coast Insurance Services in Lexington, MI.

The Dangers of Not Having Workers’ Comp Insurance

When it comes to running a business, there are a lot of important things to keep in mind. From stocking the shelves to keeping the books in order, it can be easy to forget about some of the less exciting aspects of running a company.

However, one thing that should always be at the top of your list is ensuring that your employees are properly protected. One way to do this is by carrying workers’ comp insurance. North Coast Insurance Services in Lexington, MI can provide you with expert insurance advice.

Failing to get workers’ comp insurance so can lead to several problems, including:

1. You Could Be Held Liable for Your Employees’ Injuries

If one of your employees is injured on the job and you don’t have workers’ comp insurance, you could be held liable for their medical bills and other expenses. This is because, in most states, employers are required to provide workers’ comp coverage for their employees. If you don’t have this coverage and an employee is injured, you could be facing a lawsuit.

2. You Could Be Fined

In addition to being held liable for your employees’ injuries, you could also be fined by the state if you’re caught operating without workers’ comp insurance. The amount of the fine will vary from state to state, but it could end up costing you a lot of money.

3. Your Business Could Suffer

If one of your employees is injured and you don’t have workers’ comp insurance, it could have a negative effect on your business. This is because your employees may not want to work for a company that doesn’t have this coverage. As a result, you could have trouble finding and keeping good employees.

4. You Could Go Out of Business

Never underestimate the power of a lawsuit. If you’re sued by an employee who was injured on the job, and you don’t have workers’ comp insurance, you could be forced to close your business. This is because the costs of defending yourself in court and paying any damages that are awarded can quickly add up.

Give Us A Call

As you can see, many risks are associated with not having workers’ comp insurance. If you’re running a business, North Coast Insurance Services in Lexington, MI can help you get the coverage you need to protect your employees. Contact us today to learn more about our workers’ comp insurance policies. We’re here to help you keep your business running smoothly.

Do I Need An Appraisal To Insure My Classic Car?

If you have an older car, you likely don’t need an appraisal to do the careful process of Tune-Up. If your car is new, you may want to consider an estimate from an appraisal firm. It helps you get the best interest rates on your classic car. 

Many car dealers will have a website where you can download an online car appraisal form and complete it with the car’s previous owner. This will give you a more up-to-date report and analysis of the car’s history. You can also get this form signed by the car’s previous and current owner. This will give you further proof that the car was properly cared for and has a good history. For inquiries, give us a call at North Coast insurance Services in Lexington, MI.

Appraisal and Classic Car 

If you are like most people, then you probably have several classic cars on the market. An appraisal will help you determine if the car you are looking at is worth the money spent on it. 

If you’re buying a classic car, you need to research and know the current market value of the car. An appraisal is an analysis of the car’s value based on factors like depreciation, history, and the condition of the car when it was purchased. The best time to do an appraisal is during the buying process. 

If you’re buying a car that has been sitting for a long time, an appraisal might reveal some valuable information. However, you’re not legally obligated to do an appraisal. This is because the classic car market value is the buyer’s responsibility. The car’s current market value is an independent indicator of its value. 

Give Us A Call

If you have a classic car, an appraisal might be the best way to get the most out of it. It will examine the car’s condition, cost of ownership, and history, looking for signs of recent damage. An appraisal will also look for signs of past ownership that could impact its value. it may not cost any more than a regular visit to the car shop and will usually yield more information than an online search. 

An appraisal is not required but recommended. For expert insurance advice in the greater Lexington, MI community, let North Coast insurance Services serve you.

5 Tips for Getting the Best Motorcycle Insurance for Your Needs

When it comes to motorcycle insurance, there’s no one-size-fits-all solution. The type of coverage you need will depend on various factors, including the type of bike you ride, your riding habits, and where you live. With so many options to choose from, it can be difficult to know where to start. North Coast Insurance Services in Lexington, MI provides this guide on getting the best motorcycle insurance for your needs.

5 Tips for Getting the Best Motorcycle Insurance for Your Needs

1. Know Your Coverage Needs

Before you start shopping for motorcycle insurance, you must know what type of coverage you need. There are four basic types of motorcycle insurance: liability, collision, comprehensive, and uninsured/underinsured motorist.

2. Compare Different Policies

Once you know what coverage you need, it’s time to start comparing different policies. When you’re comparing policies, be sure to look at the coverages and limits that are offered. You should also consider the deductibles, premium costs, and any discounts that may be available.

3. Do Not Go for the Cheapest Policy

The cheapest motorcycle insurance policy is not always the best. In fact, it’s often the worst. Cheap policies usually have low limits and few coverages, so you’ll end up paying more out of pocket if you have an accident. Again, while most states have minimum insurance requirements, these are often too low to protect you financially if you’re in an accident.

4. Read the Policy Carefully

Once you’ve found an insurance company and policy you’re happy with; it’s important to read it carefully. Make sure you understand what is and is not covered. If there’s anything you’re unsure about, ask your insurance agent for clarification.

5. Review Your Coverage Regularly

Your needs will change over time, so it’s important to regularly review your motorcycle insurance policy. As your bike ages, you may want to drop some coverage, such as collision or comprehensive. If you move to a new city or state, your coverage needs may also change.

Contact Us Today

There’s a lot to consider when shopping for motorcycle insurance, but following these tips will help you get the best coverage for your needs. If you’re looking for motorcycle insurance in the greater Lexington, MI area, North Coast Insurance Services can help. We offer a variety of motorcycle insurance policies to meet your needs and budget. Contact us today for a free quote.

Why you should have renters insurance in Lexington, MI

The United States has about 43 million renters, which is more than 30% of all households. More than 40% of those renters don’t have renters insurance. That is pretty risky. At North Coast insurance Services in Lexington, MI, we would like the opportunity to tell you about the many benefits of renters insurance and why you should have it. We are an independent insurance agency and our team of agents works for you, our customers, not the insurance carriers. 

Why Renters Insurance

It covers your possessions

You may think that your landlord has insurance and it covers your stuff. You are wrong, his insurance covers his stuff. You are on your own. If you have renters insurance it will replace the things that you have now. You decide at what rate, you can choose the current value with depreciation or what it cost to replace it. If you have lots of stuff. Making an inventory will help you to remember what needs replacing. 

It provides liability protection

No one likes to think about being sued but in the world today it is always a possibility. Someone could visit your rental and get injured and you could be required to pay for their medical bills. If they get a lawyer, legal action against you. If you own a dog, having liability insurance is a good idea and if you have children and they have a trampoline, it is a big risk. 

You will have a place to stay

If something happens to your rental and it is so damaged that you have to move out temporarily, your renters insurance will provide the money you need to stay someplace else and even for some meals. It will be a huge help in a difficult time. 

Contact North Coast insurance Services in Lexington, MI to learn more about why you should have renters insurance.

Benefits of Umbrella Insurance in Lexington, MI

Do you have enough protection from liability? If you’re like many people, the answer is probably no. That’s why you should consider umbrella insurance coverage in Lexington, MI.

What is Umbrella Insurance?

Umbrella insurance can provide an extra layer of protection for you and your family if someone sues you for damages for injuries they sustained or for property damage. The coverage kicks in when the damages exceed your standard liability insurance limits. A North Coast insurance Services agent can help you determine if umbrella insurance is right for you.

Why You Need Umbrella Insurance

Even if you have a good homeowner’s policy, it may not provide enough coverage if someone is injured on your property or if you are sued for damages. That’s where umbrella insurance comes in. It can provide the extra coverage you need to protect your assets.

For example, homes with children, dogs, playground equipment, and swimming pools can be more susceptible to liability claims.

Umbrella insurance can also provide coverage for things like libel and slander and accidents that occur away from your home, such as on vacation.

Umbrella Coverage and Auto Insurance

If you have automobile insurance, your Lexington, MI umbrella policy may provide additional coverage for driving accidents. For example, if you are in an accident and sued for damages exceeding your auto insurance policy limits, your umbrella policy may cover the additional amount. Parents with teenage drivers may want to consider umbrella insurance to help protect their assets in case of an accident.

If you’re interested in learning more about umbrella insurance coverage, contact North Coast insurance Services. We can help you determine if this type of coverage is right for you.

What every boat owner in MI needs to know about insurance

North Coast Insurance Services is here to serve all of the insurance needs of the greater Lexington, MI area. Our team has the knowledge and experience necessary to help you protect your boat.

Protect your boat with the right insurance policy

When you own a boat, you understand all of the responsibilities that come with all of the fun. Having the right insurance policy in place can help you enjoy your boat while protecting yourself, your passengers, and the other vessels that are out on the water.

A comprehensive policy can protect you in the event of a catastrophic event, and also with less serious issues. While knowing that you have the protection you need in case you or a passenger are injured is a great benefit, so too are the features that are useful in less serious instances.

For example, having engine issues while out on the water is not typically a life-threatening situation. But, having towing coverage is one way that comprehensive coverage can help make your day go a little more smoothly. Boaters with comprehensive insurance coverage love knowing that they have the protection they need for both catastrophic and less serious situations.

If you want to enjoy your boat with the peace of mind that comes with knowing you’re protected, take a look at a comprehensive policy today.

You can count on us for all of your insurance needs!

If you are a boat owner in the greater Lexington, MI area, count on North Coast Insurance Services for all of your insurance needs. Our team is here to help! Call or stop by today to learn more about the boat insurance options that are available in our area.

Preparing for the Unexpected with Life Insurance

While not all unexpected events turn out to be negative, most of the time, the ones that affect your finances tend to be negative surprises. While you can’t control what happens in the future, a bit of planning can help manage the outcome. That said, with life insurance from North Coast insurance Services of Lexington, MI, you are better-placed to handle what life throws at you (even when you are long gone).

Planning about the future? There are not many better ways to plan your life 10, 20, or 30 years from now than investing in life insurance. Here is how life insurance helps you prepare for the unexpected.

How life insurance helps you plan for the unexpected

The primary goal of investing in life insurance is to protect your financial interests when you pass on. Here is how life insurance helps you protect the things that matter most in life:

  • Protects your dependents when you die: If you have children, aging parents, or siblings that depend on your income, you can protect them by investing in life insurance when you die unexpectedly.
  • Pays your debts even when you pass on: If you have a mortgage, car, or student loan, you don’t have to burden your loved ones when you die. Invest in life insurance, and the proceeds can be used to settle your outstanding debts when you die.
  • Supplements retirement income: You always think that life insurance comes into life when you die. This notion isn’t entirely true — if you invest in whole life insurance, it accumulates a cash value that you can borrow against it.

While you can’t plan for everything in life, there are specific steps you can take to cushion yourself when things become awry. If you want to protect the precious things in life, investing in life insurance is an excellent choice. To get coverage in Lexington, MI, please contact North Coast insurance Services.