Michigan's New Motorcycle Helmet Law

May is National Motorcycle Safety Awareness Month and I'm sure you've heard by now that Michigan has changed it's helmet requirements.  By signing Enrolled Senate Bill No. 291, Governor Rick Snyder amended Michigan State Law to make wearing a helmet while riding optional.  But, before you jump on your motorcycle and ride off with the wind in your hair, here are a few things to know about the changes and what it means for you.
• All riders under 21 years of age must still wear a helmet.
• Riders must have had their cycle endorsement for at least 2 years or to have taken an approved safety course
• Each rider not wearing a helmet on a motorcycle must have a minimum of $20,000 of first party motorcycle medical coverage.  Additional health insurance will not satisfy the requirements of the new bill.
Speak with your PCE Insurance agent to make sure that you have the proper coverage today and as always, Ride Safe!

Renter's Insurance: Don't Leave Home Without It!

This weekend there was a fire at a Grand Rapids home; it was started by a cigarette butt that wasn't quite extinguished.  The fire spread from that home to 11 other homes. Many of these people, who had no control over what happened, lost everything.  The fire was at a local apartment complex, and while this is a very sad and tragic story, it is made even worse by the fact that many of those people did not have Renter's Insurance to cover their losses.  Many people don't realize that they are at risk for this type of loss, but the truth is that the actions of others can affect us all.  Also, many don't know that while their landlord does carry insurance on their buildings, that insurance does not cover the resident contents.  For just a few dollars a month you can protect the contents of your home and have your housing expenses covered until you can be restored or moved to your new residence.  Renter's Insurance can't prevent tragedies like this one, but it can help to alleviate much of the stress.  Talk to your friendly PCE Insurance agent for more details on how to make sure you are properly covered.  See photos and the MLive.com article here.  See the WZZM13 story here.

Easy as 1, 2, 3...

I wanted to share this nice note with everyone that I received from a customer along with a few before & after pictures that they sent.  Thanks so much to the Rogers for sharing this with us!

"One evening in June 2011 we experienced a severe thunderstorm with strong winds that brought down several large branches from our backyard oak tree.  During the height of the storm one large branch broke through the roof and in through our kitchen ceiling creating quite a mess inside and outside.  We immediately called our insurance agent, Jim Engelking of PCE Insurance, at his home and he said he'd take care of it right away.

The next morning a Grange Insurance adjuster called and then came over.  He spent around two hours measuring the roof and kitchen and entering data on his computer.  Before he left he gave us a nice check on the spot.  We were able to hire a tree trimming company to take down loose branches from the tree and haul away all of the debris, plus hire a contractor who did a temporary patch on the roof as it was still raining.  The check from Grange will allow us to get new shingles put on the whole roof and any expense incurred with clean-up, along with repairing and painting the kitchen ceiling.

We are very pleased with the quick and professional response of PCE and Grange Insurance and will highly recommend them to others.

Ron & Sandy Rogers,

Wyoming, Michigan"

If you're concerned, confused, or just plain curious about what type of insurance will best fit your needs and your budget, we'd love to answer any questions you have and provide you with a free, no-pressure quote.

Call or click today to contact us!

616.261.2222  |  www.pceinsurance.com