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BILLING
Where can I pay my bill?
You can pay your bill a few different ways. The easiest is by logging into the client center. This will direct you to your policies and your specific carrier for online payments. You can also contact our agency to make a payment by phone or mail in payments.
Can I change the date my payment is due?
Many of our carriers do not allow us to change the due date of a policy. If you need to stop payment our carriers typically require a minimum of 48 hours (some require 7 days notice before the payment pulls). If you are unable to make a payment be sure to contact us asap so we can reach out to the carrier. We may be able to extend the deadline however, there may be last fees associated with this request.
I need to reduce my premium, what are my options?
The first option we always recommend is taking a look at your current deductibles and coverages. Many times policies have small additional coverages that are costly without providing a ton of benefit. We can take a look at changing some of these to find you some savings.
If that option doesn’t work - WE CAN SHOP FOR YOU! That’s the benefit of working with an independent agent. We work with many of the top carriers in the state so if your premiums are too high we can shop around and see if one of our other carriers is a better fit for you and your needs.
CLAIMS
How do I file a claim outside of business hours?
If you need to file a claim outside of normal business hours you can do so by contacting your carrier directly. Below are the company claims numbers. You can also email service@trumbleagency.com and we will contact you when normal business hours resume to file the claim on your behalf.
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AFTER HOURS CLAIMS
Auto-Owners: 888-252-4626
Citizens: 800-628-0250
Fremont: 231-924-0300
Pioneer: 800-837-7674
Safeco: 800-332-3226
I am having difficulty with my claims adjuster, how can I get help?
As an agency, it is our job to assist you and your claims adjuster with communication. If you are having communication issues please feel free to contact us and we can assist with connecting you to the adjuster or submitting claim information.
I have damage but I am not sure if it’s worthwhile to file a claim, what are my next steps?
Our first recommendation is always to prevent further loss from occurring. Take photos of the damage and then contact a mitigation company if needed.
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If the loss is less severe we recommend obtaining an estimate to determine the severity of the damages. From there we will be able to review the damages with you and help make recommendations on whether or not to file a claim and what the process will look like.
Coverages
Can you explain the difference between broad and standard collision?
Absolutely! Broad collision is when you are involved in a collision you insurance will cover damages regardless of fault. However, if you were not at-fault then you will not be charged a deductible.
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Standard or Regular collision again will pay for those collision damages regardless of fault however the deductible will always apply.
What is plpd?
PLPD stands for Personal Liability and Property Damage coverage. These are 2 coverages required on any vehicle being driven in the state of Michigan. They allow for coverage should you be responsible for an accident.
What is PIP and how do I know which option to use?
PIP is the third required coverage in Michigan. This provides medical coverage should you be injured in an automobile accident.
As you reduce the PIP coverage you will find savings on your auto policy.
Following No-Fault reform there are now 6 PIP options:
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Unlimited - just as it says. This is the default for policies if you have never chosen a different option before. No need to sign paperwork each year either
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$500,000/$250,000 - if you select this option you will need to sign forms the first year and then each year your policy will default to this option (unless you change carriers)
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$250,000 opt-out- This option requires you to have Qualified Health Coverage (QHC) what this means is that health insurance qualifies to cover auto-related accidents based on plan and deductible. This option requires you to complete the PIP forms each year and to submit a new QHC letter with all eligible household members listed.
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$50,000 Medicaid - this option requires you and all household members to have current medicaid coverage and to submit proof annually along with new PIP forms.
Medicare opt-out - this option provides no PIP coverage under your auto policy and all household members must have Medicare A & B. You will have to submit new PIP forms each year as well as proof of Medicare coverage.
Policy
How do I make a change on my policy?
Some of our carriers allow you to make changes online or on their app. However, you can always submit change requests to service@trumbleagency.com or through our client center.
Where can I get my proof of insurance for my home or auto policy?
Your proof of insurance is available 24/7 on our client center. They are also available on the carrier apps if you have downloaded them.
How much did I pay for medical insurance last year?
The premium paid towards medical coverage on your auto insurance policy can be found on your auto declarations. This will be under the Personal Injury Protection coverage section of the policy.