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Come back often for all the latest insurance news updates.


Clarifying the MCCA Deficit Recoupment Fee: Understanding the increase on Michigan Auto Policies

Auto insurance can be complex, especially for Michigan residents. With changing laws, various coverage options, and annual assessment fees like the MCCA deficit recoupment fee, understanding the factors influencing auto insurance costs is essential. In this blog post, we will simplify the concept of the deficit recoupment fee and explain how it affects Michigan drivers' auto insurance expenses. We will ...

Rising Waters: The Importance of Flood Insurance and Preparation

April is Flood Awareness Month – a time to raise awareness of the risks of flooding and how to prepare for them. Floods can cause significant damage to homes and businesses, and it's important to be aware of the risks and take steps to protect yourself. In this blog post, we'll discuss the basics of floods, the importance of flood ...

We Look Forward to Serving You Better!

The Time is Finally Here!

We've been long awaiting this opportunity to upgrade our agency's operating system to a more robust, efficient program that will help us bring you better service. We won't bore you with all of the details, but wanted to inform you that this will be taking place from today, until 12/19/22. Some exciting new features you can look forward to include:

  • A new and improved mobile app for all of your policy management needs including policy changes, document requests, and simple claim filing.
  • The ability to schedule appointments online and meet with your account managers virtually.
  • More educational material to help you, your family, and your business stay protected. 
  • Quicker service for you as a result of our increased efficiency with processing requests.

Please note that during this transition, all of our staff will be undergoing training so that we can hit the ground running without interruption to your insurance needs. As always, we can be reached at 800-686-8664 or by email to ClientService@TOMIA247.com

Does Your Policy Need a Back to School Checkup?

While many back-to-school checklists exist, most fail to mention the importance of checking in with your insurance agent. Whether your scholar is attending a big name Ivy League school, or the local community college this fall, you will want to address this life milestone with your agent before it’s too late. Read on for some tips on tying up any ...

Office Closure- Friday, June 10th

Our offices will be closed on Friday, June 10th for our annual training and development session. We will be unavailable for meetings, phone conversations and email inquiries.  We apologize for any disruption this may cause, and will be back in the office at 8:00AM Monday morning to serve you. In the meantime, you can check out the self-service options we ...

Waiver of Subrogation: What is it?

When you’re shopping around for commercial insurance, you’ll likely come across the term waiver of subrogation or subrogation waiver as part of your contract terms. Read ahead to find out what this is, and if you should consider the additional coverage.

April is Distracted Driving Awareness Month!

The National Safety Council recognizes April as Distracted Driving Awareness Month. This event is intended to raise awareness about the dangers of distracted driving and encourage motorists like you to minimize potential distractions behind the wheel.

DIFS Warns About Possible Scammers During M.C.C.A Refund Period

The Department of Insurance and Financial Services (DIFS) urges Michigan drivers to keep on the lookout for imposters pretending to be authorized personnel from the Michigan Catastrophic Claims Association, or their insurance company.

M.C.C.A Refunds & What You Need to Know

Recently, the Michigan Catastrophic Claims Association (MCCA) unanimously voted to return excess funds back into the pockets of Michigan drivers like yourself. Insurance carriers will be receiving the funds directly from the MCCA on 3/9/22, and have until 5/29/22 to complete the refund process. Below are answers to the most frequently asked questions about this refund, and the process of distribution.  ...

What You Need to Know About the Slippery Scenarios of Water Damage and Your Insurance

Water damage is one of the most common causes of insurance claims for homeowners and businesses. At the surface, water is water...right? Unfortunately, burst pipes, backed up drains, flooded basements or a leaking roof will lead one to discover the details of their insurance policy - finding that all water damage is not the same according to the insurance policy ...

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Our Locations

Alpena
514 N Ripley Blvd
Alpena, MI 49707

 Local: (989) 356-6133

Hillman
150 State St
Hillman, MI 49746

Local: (989) 742-4574

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

Petoskey
1170 Bay View Rd, Ste B
Petoskey, MI 49770

Local: (231) 347-4610

Gaylord
440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664