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Kathleen Michael, Author at Shinberg-LTB Insurance

Everything You Need To Know About Life Insurance

September 14, 2023

Life insurance acts as a vital protective blanket for loved ones when they unexpected happens. But for many, this realization comes too late. In a recent survey, nearly 40% of adult consumers indicated they would feel a financial impact within six months, if a primary wage earner in their family were to pass away. More …

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Understanding Michigan’s New Distracted Driving Law

July 24, 2023

Put Down Your Phone On June 30, 2023, Michigan’s new distracted driving law took effect, cracking down on handheld device usage while behind the wheel. According to the law, “a driver cannot hold or support a phone or other device with any part of their hands, arms, or shoulders.” Moreover, it is illegal to use …

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Cyber Risks and Liabilities

July 24, 2023

  Maximize Your Protection As cyberattacks become more frequent and costly, it’s crucial for organizations to maximize their financial protection against related losses by purchasing sufficient insurance. Cyber coverage, also known as cyber liability insurance, can help organizations pay for a range of expenses that may result from cyber incidents— including (but not limited to) …

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How to Deal with Damage from Severe Weather

July 20, 2023

Experiencing damage to your home after a severe storm can be distressing, but it’s essential to take prompt action to ensure your safety, prevent further damage, and start the recovery process. Here’s a step-by-step guide on what to do when your home is damaged by a severe storm: Ensure Personal Safety: The safety of you …

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What to Do When You’re in a Car Accident

July 20, 2023

Car accidents are unfortunate events that can happen to anyone at any time, even to the most cautious drivers. While we hope you never experience one, it’s crucial to be prepared and know what steps to take if the unfortunate happens. Handling a car accident calmly and responsibly can make a significant difference in ensuring …

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Staying Cool in the Hot Summer Months

July 20, 2023

How to Change Your Home Air Filter Changing your home air filter is a quick, easy way to keep your air conditioner, furnace, or central air system running efficiently. Maintaining a clean air filter can keep your energy costs down and reduce the risk of mold or bacteria growing in your air system. Check your …

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The Ultimate Guide to Home Insurance in Michigan

July 19, 2023

Everything You Need to Know Welcome to the ultimate guide to home insurance in Michigan! Whether you’re a current homeowner or in the process of buying your dream house, understanding the ins and outs of home insurance is crucial to protect your investment. Michigan, known for its beautiful landscapes and vibrant cities, is also prone …

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What You Need To Know About Filing A Claim

July 19, 2023

Navigating the Maze of Filing a Claim  What You Need to Know About Claim Filing and Insurance Rates in Michigan Are you a Michigan resident looking to navigate the complex world of claim filing and insurance rates? Look no further. In this comprehensive guide, we will provide you with all the essential information you need …

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The Latest Update on Michigan No-Fault Rules

July 19, 2023

What Michigan Insurance Holders Need to Know Are you a Michigan insurance holder? If so, we have some important news for you. The latest update on no-fault rules has brought about significant changes that could impact your coverage and claims. It’s crucial to stay informed and understand how these changes may affect you. In this …

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