Name: Phil Klein Insurance Group
Address: 7125 Orchard Lake Road, Suite 302, West Bloomfield, MI, 48322
Telephone: 248-682-7445

Can You Take Your Auto Insurance to College?

Posted on October 31, 2025October 15, 2025 by agentinsure

If you drive a car in Michigan, you are required to have auto insurance. Many drivers need help choosing the best insurance policy. If you’re in the West Bloomfield, MI, area, our team at Phil Klein Insurance Group can answer your questions and help you find the right auto insurance policy. We’ve been working with drivers like you since 2011.

Can Your Auto Insurance Cover Your College Student?

If one of your children is going to college in a different state, they may want to use a car while they’re at school. Before making any plans, check your school’s policy on whether freshmen are allowed to have cars on campus. According to Forbes, even if your college student doesn’t take a car to college, you shouldn’t remove them from your auto insurance policy. They may drive someone else’s car while at college, and they will likely drive when they come home for semester or holiday breaks.

One important factor to consider is whether your college student owns a car. According to CarInsurance.com, each state has different laws regarding whether college students must change their car registration or insurance while at school. Check with your insurance agent to ensure your college student is adequately covered with auto insurance while away at school.

Schedule an Appointment Today

Don’t take a chance by driving without auto insurance. Our team at Phil Klein Insurance Group can help you find affordable auto insurance coverage. Drivers in the West Bloomfield, MI, area have discovered that we provide excellent customer service. Call us today to schedule an appointment and see for yourself how easy it is to find an insurance agent you can trust.

Michigan Auto Insurance Reform Update

Posted on December 16, 2019December 16, 2019 by Owen Rosen

Some Michigan auto insurance reform changes have already gone into effect. Others start in July 2020. With so many drivers unaware of the impact of the new law on their current car insurance policy, now is the time to review coverage. To help identify potential coverage gaps, please consider these questions:

• Are there drivers listed on your policy that do not reside with the named insured?
• Are there residents in the home that are not family members?
• Are there resident family members of driving age that are not listed on your policy?
• Is any vehicle on the policy owned by someone other than the named insured(s), spouse or resident family member?
• Does any driver not listed on the policy have regular use of one of the vehicles?
• Are any vehicles used for business purposes such as Uber or Lyft?

If the answer to any of these questions is “yes,” your existing policy may have a gap in coverage and needs to be reviewed immediately. Please call us at 248-682-7445 to begin your policy review today.

Michigan’s Overhauled No-Fault Insurance Laws Take Effect July 1, 2020

Posted on October 30, 2019October 30, 2019 by Owen Rosen

On May 30, 2019, Michigan Gov. Gretchen Whitmer signed into law a bill that will bring sweeping changes to the state’s no-fault auto insurance laws. The primary goal of the new legislation is to reduce auto insurance premiums, as Michigan has some of the highest auto insurance rates in the nation.

Though the new legislation provides numerous changes to the auto insurance industry in Michigan, the following are the key takeaways:

•Drivers will no longer be required to purchase unlimited no-fault personal injury protection (PIP) benefits, which guarantee lifetime medical benefits for catastrophic crash injuries. After July 1, 2020, and through July 1, 2028, drivers may select their own no-fault PIP coverage. Under the new law, drivers may choose between $50,000 coverage (if enrolled in Medicaid or Medicare), $250,000 coverage, $500,000 coverage or unlimited PIP coverage.

•Once the new legislation takes effect, drivers could enjoy an auto insurance premium cost reduction depending on which PIP coverage they select. Note that all savings are limited only to the no-fault portion of a driver’s auto insurance bill (typically around 40% of the total premium), not the entire bill. Furthermore, the legislation does not address what the insurance providers may charge on other portions of insurance bills.

•A no-fault fee schedule was established to regulate the rates charged by medical care providers (e.g., doctors and hospitals) regarding medical care associated with auto accidents. Note that the fee schedule will not apply for the entirety of the first year the law is in effect.

•Drivers who choose any PIP coverage lower than unlimited will pay reduced fees to the Michigan Catastrophic Claims Association (MCCA), an entity that bears responsibility to pay catastrophic injury benefits.

•Insurance providers will be prohibited from considering “non-driving factors” when determining insurance rates. Those factors typically include sex, marital status, educational level and occupation. However, providers can still set rates based on “territories” of the state. For example, providers could set higher rates for those who live in a region in which there are heightened instances of accidents or car thefts.

We will continue to provide information as it becomes available.

Please contact us at (248) 682-7445 or info@philkleininsurance.com for more information.