By now we have all heard about the recent repeal of Michigan's motorcycle helmet law, and the requirements for operating a motorcycle without a helmet.  But, can our motorcycle insurance companies provide coverage for your customers due to this legislative change?

Yes!

American Reliable recently filed for a new option for $20,000 in Medical Payments, and this new filing includes coverage for the passenger, regardless of relationship. This is a great selling point to your customer because most carriers do not extend coverage to all passengers.

American Modern can write up to $80,000, and Medical Payments coverage does not extend to non-resident relatives or non-relative riders.

Additionally, Bodily Injury liability coverage does not satisfy the helmet law insurance requirements since it is not a first party coverage.

If you have any questions, or if you would like a quote, please call us toll free at 1-800-869-2022.  You can also check out a product bulletin American Modern put out in regards to the insurance requirements, medical coverage, and things you should discuss with your insureds.

Fireman's Fund recently introduced important rate and rule changes for Michigan in an effort to create better pricing segmentation.  Fireman's Fund anticipates these changes will be introduced across the Midwest by June.

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The Future Effective Date Discount:  This new 10% discount will apply to any new business policy written on or after March 1, 2012 if the quote is completed 7 or more days ahead of the effective date.  This discount will decrease slowly over time at future renewals.