Car and Home Insurance

Good afternoon. My name is Donnell Rice and I’m with Nationwide Insurance here in downtown Rochester in Michigan. And I’d like to welcome you first of all to America. I hope that you’ll enjoy your stay while you’re here and if you end up living here, I hope you enjoy that as well.

I’m just going to …..

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talk to you briefly about a couple of coverages that you’ll want to make sure that you talk to your agent about whether it’s here at Nationwide or somebody else and one of them is auto insurance.

Here in the state of Michigan it is law to get auto insurance if you decide to drive. Now that’s regardless of whether you own your own vehicle or not. But if you get a driver’s license, you need to have auto insurance, so make sure that you talk to somebody about that.

There’s a couple of coverages that you really want to pay attention to. Bodily injury limits. Our state has minimum limits of forty thousand (40,000) for multiple people, twenty thousand (20,000) for single occupants. But in this state you want to make sure that you increase those at least to a hundred/three hundred (100/300). It’s very important because in the event of an injury accident you could have a judgement against you and the more coverage you have, the better off you are to protect you and your assets. That coverage is minimal so you want to make sure that you increase those limits.

The other coverage that you really want to pay attention to is your uninsured motorists. Here again, in the state of Michigan we’re having issues with people losing their jobs. Our economy is not that great at this time, so you want to make sure that those coverages are higher as well. Hundred/three hundred (100/300), I would say don’t go any lower than that. The optimal coverage would be five hundred/five hundred (500/500) both on your bodily injury and your uninsured motorists. So remember with auto insurance your liability limits are important and if you have a car, then you can talk about your deductibles. So, if you were planning to get a driver’s license, most important, you need your liability insurance whether you own a vehicle or not. So those are one of the… that’s one of the coverages you need.

The other coverage depending on where you live would be homeowner’s. Now homeowner’s could be either renting an apartment, owning a condo, or actually buying a home. And the biggest reason why you want to do that is to protect your investment whether it be the home or just to protect your contents, all your clothing. You need that insurance as well. And that’s minimal coverage. When you combine both your auto and your homeowner’s insurance, you get some great discounts. So that’s what you want to be aware of.

Homeowner’s insurance, also liability coverage, is very important. You want to make sure that you have proper coverage for that. And depending on what your property is, you want to make sure that that’s covered as well.

So, again, talk to your agent. Give them all that information. They’ll be able to specialize a policy that would be right for you based on your information. So, if there’s anything else I can help you with, again, my name’s Donnell and I’d be more than happy to help you. Come and see me.

Okay. We talked about an insurance review and this is what you can look at to go over those coverages. On your auto policy, you want to particularly pay attention to the bodily injury. Five hundred (500) would mean five hundred thousand (500,000) per person. The second number again is five hundred thousand (500,000) per person. We also mentioned uninsured motorists. That’s the second coverage. Again five hundred thousand per person, five hundred thousand per oc.. per vehicle. And what that means, if there’s one person in the vehicle, that’s per person. If there’s two or three people in the vehicle, that’s per vehicle. So that’s why there’s two numbers. And then you pay attention to your comprehensive, your collision coverage, and then it’ll give you a premium. And that’s what it would cost you for the six months’ policy.

Contact Donnell: http://www.timcrawfordagency.com/donnell_bio.php


Have some fun! Try these puzzles.


Puzzle #1 is usually easier than puzzle #2, but try all of them and decide for yourself!

All of the puzzles use words from the video. Feel free to print and copy the puzzles.

Car and Home Insurance Crossword Puzzle #1

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Car and Home Insurance Crossword Puzzle #2

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Car and Home Insurance Word Search Puzzle #1

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Car and Home Insurance Word Search Puzzle #2

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Car and Home Insurance Word Scramble Puzzle #1

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Car and Home Insurance Word Scramble Puzzle #2

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