Understanding the Basic Components of Auto Insurance

Entering the realm of auto insurance for the first time can be demanding. However, once you understand the fundamentals, deciding on appropriate coverage for your vehicle in Brighton, MI, becomes straightforward. Halabicky Insurance Group is here to help you comprehend what type of coverage is required and which ones you might want to consider.

Understanding Mandatory Insurance Coverage

In accordance with Michigan state law, drivers must have minimum insurance coverage in various categories: Personal Injury Protection (PIP), Property Protection Insurance (PPI), Bodily Injury Liability (BI), and Property Damage (PD).

Notably, Bodily Injury Liability requires coverage of a minimum of $250,000 per individual and $500,000 per accident for medical expenses if you are found at fault in an accident causing injury to others.

PIP offers reimbursement for injury-related expenses and lost wages. It also covers damage to stationary vehicles and tangible property within the state. Meanwhile, PD coverage safeguards you in case you cause damage to another party’s vehicle outside of Michigan.

Considering Additional Coverage

You may wish to include additional coverage in your policy depending on your circumstances. Comprehensive coverage addresses risks such as theft or damage caused by incidents other than a collision. Uninsured/Underinsured Motorist (UM/UIM) coverage covers medical and other costs when a driver with insufficient or no insurance coverage hits you.

Halabicky Insurance Group recommends opting for auto insurance with more coverage than state-mandated minimums. Our agents can assist you in deciding what coverage is best suited for your budget and help negotiate coverage amounts that will protect you, both in Brighton, MI, and beyond.

Don’t let auto insurance be daunting. Reach out to us today to set up an appointment.

What are the consequences of not having commercial insurance

As a business owner, you probably understand that operating a business takes a lot. It requires time, effort, and financial resources. Your business is one of the most precious investments, and it is obvious that you want to protect it. The most efficient way to do it is to buy commercial insurance. However, many business owners think business insurance is a waste of money and prefer to skip it. If you are one of them, you should be aware of the consequences you may face if you decide to operate your business uninsured. 

The consequences of running a business without insurance: what are they?

The possible consequences are the following:

  • Business interruptions: The biggest issue in the modern business world is anything can happen to your company and business. As a result, you have to deal with business interruptions you did not expect at all. If you do not have business insurance and your business operations are interrupted, you are responsible for expenses associated with it. The interruptions can be costly and not affordable for you. 
  • Not protecting your employees: First, it is required to protect your employees. Also, when you have proper business insurance, you are able to take care of your employees by offering them the financial security they need. Workers’ compensation insurance allows your employees to work for you, knowing they are fully covered if something happens to them at the workplace. 
  • Loss of your commercial property: Your commercial property is the most important asset of your business. If you do not have a commercial insurance policy and something happens to your business property, you will be paying for all the repairs and replacements yourself. 

Commercial insurance is something that every responsible business owner should consider. Even though commercial insurance is not required in the state of Michigan (except workers’ compensation insurance), you should still consider purchasing it. It will give you the security and peace of mind you need to run your business successfully. If you are looking for an insurance company specializing in commercial insurance in Brighton, MI, or any nearby area, feel free to contact Halabicky Insurance Group. At Halabicky Insurance Group, we are ready to provide you with all the necessary information about insurance options and answer any questions you may have. 

3 Ways Home Insurance Can Make Your Home Safer

A comprehensive home insurance policy is a virtual necessity when you’re living in a region prone to severe storms and harsh winter weather. Michigan home insurance helps local homeowners feel safer knowing they can quickly recover from unexpected perils like natural disasters and flooding. 

Make your home safer by investing in a comprehensive home insurance policy. Today’s home insurance policies act as virtual safety nets protecting your home and its contents in times of crisis that could obliterate your finances. 

Insurance professionals at Halabicky Insurance Group in Brighton, MI can help you understand the benefits of protecting your home with a comprehensive home insurance policy and walk you through the steps of starting a new policy. 

3 Ways Home Insurance Can Make Your Home Safer

#1. Home Insurance Acts Like a Financial Safety Net

Michigan homeowners can get financial protection from damages or replacement costs resulting from natural disasters, vandalism, and theft when they choose comprehensive home insurance. This full-coverage home insurance acts like a safety net that shields local homeowners from the damaging effects of unexpected financial storms. 

#2. – Get Financial Protection from Legal Liability Claims

Homeowners are shielded from the legal repercussions that can come along with liability claims. Liability claims include incidents where visitors or guests are accidentally injured on your property. Home insurance can help mitigate damages resulting in high legal fees or medical bills. 

#3. Get Coverage for Temporary Living Expenses 

Many homeowners are left in the lurch when their homes become temporarily uninhabitable due to unforeseen damages, vandalism, or flooding. Talk to a trusted insurance agent at Halabicky Insurance Group in Brighton, MI to learn how your home insurance policy can provide coverage for temporary shelter and get a free home insurance quote! 

When To Modify Your Life Insurance Policy

A change in your finances or living arrangements could influence how much life insurance you need. Review the tips below to familiarize yourself with policy modifications.

Insurance Overview

Contact us at Halabicky Insurance Group serving the greater Brighton, MI community. Our agents will consult with you about your existing coverage. You can set up a time to meet with the agent during a standard office visit, online, or over a phone call. An overview of your existing coverage will help the agent determine if adjustments need to be made to the policy. 

Life Changes

Changing jobs, moving, or encountering the death or birth of a family member may influence how much life insurance you need. Before you meet with our agents face-to-face, compile financial records and other documents that may substantiate the need to modify your policy.

During your meeting, you can provide the agent with the documents that you have gathered. We will ask some questions about your living situation and finances. After the interview, the agent will advise you on the coverage modifications that will be beneficial.

Insurance Documents

Once you and the agent have verbalized the changes that will be made to your insurance policy, new insurance documents will be prepared. You will be required to read over the documents.

If you have any questions about your coverage, you should ask them before you sign the insurance paperwork. You will receive a copy of the insurance paperwork. Keep this copy with other important papers. The insurance papers should be stored in a safe or another place that will keep the documents protected.

Call Today To Discuss Your Options

If you have any other changes that will require your insurance to be modified, contact us at Halabicky Insurance Group in Brighton, MI. 

Four features you’ll definitely want to have on your auto insurance policy

Auto insurance policies in Brighton, MI can include a lot of great features that you might not yet be aware of. At Halabicky Insurance Group, we can provide you with an insurance policy that includes the features you want and need.

Here are four features you’ll definitely want to have on your auto insurance policy:


Taking advantage of autopay is a great idea if you’re worried that you’ll forget to make an auto insurance payment. With this great feature, premium payments are automatically charged to your credit or debit card when they’re due. 

Rental reimbursement

Getting in a bad accident is stressful enough. You don’t want to have to worry about finding alternative transportation when this happens.

With rental reimbursement, your auto insurance will cover the costs of renting a vehicle while your damaged vehicle is in the shop for repairs after an accident. 

Full coverage for glass repair and replacement

Most motorists experience damage to their windshield at some point. Not all auto insurance policies automatically cover the costs of auto glass repair and replacement.

You should read the fine print of your policy and make sure that it includes auto glass coverage so that you don’t have to pay out of pocket to fix a damaged windshield. 

Lockout coverage

Few things are more frustrating than getting locked out of your car. If this has happened to you before, you should already know how expensive locksmith services can be.

With lockout coverage, you can get locksmith service costs covered by your auto insurance if you get locked out of your vehicle.

Reach Out To Us

Contact us online or by phone at Halabicky Insurance Group if you’re in the market for auto insurance in Brighton, MI. We’ll give you a quote on a policy that can include these great features. 

Does a home business need commercial insurance

Home businesses are a current trend that shows no sign of easing. It makes good sense to save money by not having to rent a space by using your home as your business location. But you must always be aware that this is a business and your home insurance may not be right for your business. At  Halabicky Insurance Group in Brighton, MI, we will work with you to design an insurance package that is right for you and your business. 

Coverage Options For Your Home Business

Property insurance

Commercial property insurance covers not just the physical structure of the building; it covers the things that are required to carry out your business. This includes office equipment, electronics, inventory, raw materials, tools, and much more. If you rely on your home insurance, you will find that it is not designed to protect your business property. To adequately cover your business, you need commercial insurance which is designed for the purpose. 

Liability coverage

Your home liability coverage protects you when you are at home and when you are away. It covers personal visitors who come to your home to visit. It doesn’t however cover anyone who comes to your home to conduct business with you. Being sued is one of the major risks that every business faces and protecting yourself is vital for the future health of your business. 

Business interruption insurance

Business interruption insurance is definitely something that home insurance does not include. If your business can’t operate due to a covered peril, you won’t have any income to pay your bill. Business interruption insurance will allow you to keep up to date with your expenses until you are able to get back in operation. 

Consult With Us

In Brighton, MI and the surrounding area, the Halabicky Insurance Group offers personalized insurance services for all of our clients. Give our office a call to discuss your needs. 

What You Need to Know About Homeowners Insurance and Natural Disasters

Your home insurance in Brighton, MI covers a lot, but there are some things out there that aren’t under anyone’s control, such as natural disasters. At the Halabicky Insurance Group, we understand the importance of having the appropriate coverage to protect you against the unpredictable nature of natural disasters.

We also want you to understand more about how your homeowners’ policy works regarding natural disasters.

What Is a Natural Disaster?

Natural disaster refers to any severe weather or condition that occurs naturally. Some common natural disasters include:

  • Hurricanes
  • Tornadoes
  • Earthquakes
  • Wildfires
  • Floods

All these things have an element of unpredictability and can cause severe damage to your property. The state isn’t a stranger to things like hurricanes, tornadoes, and wildfires. For that reason alone, it’s vital you understand what your homeowners’ policy covers if one of these natural disasters causes damage to your belongings or home.

Does Your Policy Cover Natural Disasters?

Your homeowners’ policy likely offers some protection from some specific threats, but that’s not always a given. Natural disasters have a low frequency of occurring but often come with a very high cost to deal with in their aftermath.

You should speak with your insurance agent or company about your coverage and whether that coverage extends to damage caused by any of the more common types of natural disasters.

What Natural Disasters Should Your Insurance Cover?

Your policy needs aren’t the same as anyone else’s. Knowing what natural disasters to cover will depend on your specific location, the traditional weather patterns, and a host of other details.

Schedule A Consultation Today

If you are uncertain about your needs or what factors to consider, do not hesitate to contact us at the Halabicky Insurance Group serving Brighton, MI and surrounding areas. We can help you figure out what might work for your needs, as well as what’s common when it comes to natural disasters and associated claims in the area. In this way, you can make an informed decision.

Don’t wait for a disaster to strike; contact us right now about all your home insurance questions and needs.

Why Life Insurance Matters in Michigan

Leaving your loved ones behind with a mountain of debt is not the ideal legacy. It is crucial to have adequate life insurance to help protect your family’s future in the event of the policyholder’s untimely demise.

What Expenses Can Life Insurance Cover for My Loved Ones?

Smart Michiganders understand the value and peace of mind a life insurance policy can bring, and licensed insurance agents at Halabicky Insurance Group in Brighton, MI can help! 

Funeral Expenses 

Mounting funeral expenses can cause an added financial burden and emotional strain on your loved ones who are left behind to foot the bill. A life insurance policy can reduce some of the financial burden. 

Outstanding Debts

Michiganders can talk to their trusted life insurance agent about policies that include coverage for outstanding debt so their family members aren’t strapped with this financial burden upon their death. 


Most Michigan homeowners insurance policies won’t cover the cost of making mortgage payments in the event of your death. A life insurance policy can help your remaining relatives make timely payments and reduce or eliminate financial liabilities to mortgage companies and banks. 

Living Expenses

If you’re the primary breadwinner for your family, the instantaneous loss of income upon your death can be another devastating blow to your loved ones who depend on you. Help ease their financial burden with a life insurance policy covering living expenses for a specified period after the policyholder passes away. 

Schedule A Consultation Today!

Don’t wait until it’s too late to protect your loved ones with a Michigan life insurance policy. Contact one of our licensed and compassionate agents at Halabicky Insurance Group in Brighton, MI to learn about the best life insurance policy options and get a free quote today! 

Required Auto Insurance in Michigan

If you’re a Michigan driver, you’re required to have auto insurance for every vehicle you own. You need to have proof of your insurance coverage in the vehicle to show to police officers upon request. Not having the required auto coverage can leave you vulnerable to fees and fines. If you need auto insurance in Michigan, call us at Halabicky Insurance Group in Brighton, MI. 

Liability Coverage

Your coverage in the state must have at least a specific amount of coverage for each person who is injured. The policy must also have an amount for everyone who is injured in the accident. Then, there is an amount required for property damage. This is liability coverage though, and pays for someone else’s property damage. It can also pay for a legal defense for you if you get sued for the accident.

No-Fault Insurance

The state is a no-fault insurance state. That means that the coverage you have will pay for your medical costs and lost wages after an accident and even funeral costs if necessary. However, the property damage liability coverage won’t pay for the cost of damage to your property. For that coverage, you need to add collision coverage to your policy. This helps to keep you covered when there is damage to your vehicle from an accident. You may also want comprehensive coverage for the things that can happen to be in your vehicle while you aren’t driving it. 

Get Your Insurance in Michigan

If you’re buying a vehicle or you want to change your existing insurance to a new company, we can help. We are happy to tell you more about this insurance and help get you started with a policy of your own. To find out more, call us at Halabicky Insurance Group in Brighton, MI. 

Business Interruption Insurance: Keeping You Afloat During Downtime

Business Interruption Insurance from a company like ours, Halabicky Insurance Group, helps businesses recover from any financial losses they may incur due to unexpected and unforeseen events that can interrupt their normal operations. These events can include natural disasters, fires, power outages, and other unforeseen circumstances that can cause a significant disruption in the day-to-day operations of a business.

Business Interruption Insurance helps businesses continue their operations and ensure their financial stability during such times.

Benefits of Having Business Interruption Coverage

The benefits of having Business Interruption Insurance in the Brighton, MI area are significant. This type of coverage provides businesses with the financial support they need to continue their operations during a crisis. It can cover various expenses, such as rent, salaries, and utilities, enabling businesses to keep their doors open even when they are not generating revenue.

Additionally, it can cover the costs of relocating, repairing, or replacing damaged equipment or property. Business Interruption Insurance can also help businesses maintain their market position and customer base, as it allows them to get back to normal operations quickly.

Types of Loss Covered Under Business Interruption Insurance

Business Interruption Insurance covers various types of losses, including income loss, extra expenses, and property damage. Income loss is the most common type of loss covered under this insurance. It covers the loss of income that a business experiences during a shutdown. Extra expenses coverage is for the additional expenses a business incurs when trying to continue its operations during a crisis.

Lastly, property damage coverage is for the damage to a business’s physical property, such as buildings, equipment, and inventory.

Reach Out To Us

Business Interruption Insurance is an essential insurance coverage for any business facing a crisis. It can provide financial support during a shutdown, enabling businesses to continue their operations and maintain their financial stability.

Having Business Interruption Insurance can be the difference between a business surviving or closing its doors permanently. We at Halabicky Insurance Group are here to help businesses in the Brighton, MI area understand the importance of this coverage and provide them with the support they need to protect their businesses. Contact us today for more information on how we can help you secure your business from troubled times.