Auto Insurance FAQ’s

From Kemner-Iott Agency

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Questions about Auto Insurance

Let’s Talk Auto Insurance!

Auto Insurance can be confusing – but no need to worry! The friendly

agents at Kemner-Iott are here to help!

Browse our Presentation for Answers to Your FAQ’s regarding Auto

Insurance

Is My Employee Covered in an Auto Accident, if Sued?

Physical damage coverage for the employee’s vehicle would be provided under her own personal auto insurance policy.

However, liability would be provided by the employer’s policy, if properly endorsed with Employers’ Non-Ownership Liability.

My Sister Lives with Me.Can I add her to my Auto Policy?

Since your sister’s car is titled to her, she will need to obtain her own auto policy.

When Do I add my Teen to my Auto Insurance Policy?

Your teenage driver does not need to be added to your auto policy as a driver until she is licensed to drive a vehicle by herself.

Do I Need to Buy Car Rental Insurance, if my Credit Card

offers it? Every company’s rental contract is

different, so always check with your credit card company and your agent before you decline their coverage.  Then, make an informed decision, relax, and enjoy!

My daughter let a friend borrow my car, and there was a bad

accident.  Can I be sued?

Yes you can, because you are the owner or co-owner of the vehicle.  The liability on your auto policy will protect you and your daughter. 

The driver (friend) of the vehicle will have liability coverage from her auto policy or the auto policy in her household.

Why is Michigan Auto Insurance the Highest in the Nation?

No-Fault Insurance States with no-fault insurance have higher

premiums than tort law states Unlimited Personal Injury Protection

Michigan is the only state that requires drivers to purchase unlimited personal injury protection.

Results in incentives to use expensive medical procedures

Uncertainty about cost increases premiums

Contact Kemner-Iott Today!

Kemner-Iott is your Independent Insurance Agency, with three locations to serve you better! 

Give us a call at one of our local branches: Adrian:  517.265.7000 Ann Arbor:  734.971.1000 Cassopolis:  269.445.2425