248-545-7500

HOW CAN WE HELP YOU?

Call IconClick to Call
Atlas Insurance Agency

520 E. 4th Street
Royal Oak, MI 48067

Mobile Map iconGet Directions

Instant Online Quote

Do I Need A Medical Exam to Get Life Insurance?

If you’re hoping to get life insurance, one of the questions you may have is whether you’re required to obtain a medical exam. At Atlas Insurance Agency, servicing Southeast Michigan, we can help. We offer many insurance products through a variety of insurance carriers. We can assist you in exploring the options and determining when to get a medical exam and when an exam is not required. 

What Is Life Insurance?

Life insurance is a type of insurance that pays beneficiaries when the insured dies. Life insurance comes in different types, including term and permanent.

Term life insurance is designed to last several years and will pay benefits while the policy is active. Permanent life insurance pays benefits as long as the policyholder continues to pay the premium. Which type of life insurance you should get depends on your goals and why you want this type of insurance. Your insurance agent can help answer your questions about this.

Do I Need a Medical Exam to Get Life Insurance?

Most of the time, insurance agencies require a medical exam to get life insurance. This exam is usually relatively simple but may require blood and urine samples. 

Some life insurance products no longer require medical exams. If this type of life insurance policy appeals to you, talk to your insurance agent. No-exam life insurance policies may offer less coverage, so you may still want to explore all the options before deciding. 

Have questions about life insurance? Are you thinking about getting it for yourself? Atlas Insurance Agency servicing Southeast Michigan can help. Call today to learn about our insurance products and get your questions answered. 

Do I Need Auto Insurance to Buy a Car?

If you’re driving a car, the law requires you to have the minimum level of car insurance. But do you need auto insurance to buy a car? At Atlas Insurance Agency in Southeast Michigan, we can help answer these questions and others. Buying a car can be stressful, but the process can be less stressful overall if you’re working with the experts at Atlas Insurance Agency. 

Is Insurance a Requirement to Buy a Car?

You do not have to have insurance to buy a car. However, you do need to have insurance to drive the car off the car lot. If this is your first vehicle and you do not yet have car insurance, you can buy car insurance while you’re on the lot. The car dealership may allow you to use their phones or computers to shop for auto insurance if you do not have your phone handy. 

If you already have a car insurance company in mind, buy your vehicle during your insurance company’s office hours to ensure that you’re able to get an agent on the phone. 

If you already have car insurance when you’re buying a vehicle, you will be given a grace period to add that new vehicle to your insurance policy. Your car salesperson can tell you how long that grace period is. 

How Can I Show Proof I Have Auto Insurance?

A hard copy of your insurance policy is best, but if you don’t have a hard copy, your car dealership may accept digital proof or faxed proof that you have car insurance. These requirements vary from one dealership to another, so talk to your dealership while you’re buying the vehicle.

Have questions?

Contact Atlas Insurance Agency in Southeast Michigan to find out more. 

Is commercial insurance required by law in Southeast Michigan?

If you have a business in Southeast Michigan, you know how many risks you are facing. What if a storm cuts out power to your area, and you have to temporarily close? What if someone slips and falls on your property? 

There are an almost endless number of things that can go wrong, and insurance can help to protect you. At Atlas Insurance Agency, we can help explain your options and what kinds of commercial insurance are required.

Commercial Insurance Required By Law In Michigan

There are only two kinds of commercial insurance required by law in Michigan.

Commercial Auto Insurance

If your small business uses any vehicles for business purposes, you must be able to show that you have commercial auto insurance. This applies even when employees use their personal vehicles for work-related purposes.

Workers Compensation Insurance

If your small business has one or more employees that work at least 35 hours per week, you probably need to carry workers compensation insurance. Failure to carry could result in a fine, but this insurance offers important protection in case one of your employees is injured at work.

Optional Commercial Insurance Coverage In Michigan

Several other kinds of insurance are vitally important for protecting your business. 

  • General liability insurance will protect you if someone is injured on your property or if your business is responsible for property damage.

  • Commercial property insurance protects the building where you operate and its contents, such as tools and inventory.

  • Professional liability insurance protects professionals when there are claims of errors or omissions in practice.
     
  • Product liability insurance protects your business if your product injures someone.

Need Insurance in Southeast Michigan?

These are just a few of the kinds of coverage you can get. Call Atlas Insurance Agency today, so we can help you tailor a policy that works best for you.

Geodesic Dome Homes and Insurance: Unique Dwelling Coverage

Geodesic dome homes in the Southeast Michigan area, known for their distinctive spherical structures, have gained popularity for their energy efficiency and structural resilience. Geodesic dome homeowners must consider specific factors when obtaining home insurance to ensure their property is adequately protected.

Understanding the Unique Risks of Geodesic Dome Homes

Geodesic dome homes stand out due to their unconventional design and materials. Their spherical shape and often unconventional construction make them distinct from traditional homes. This is where the underwriting is tailored to the specific needs.

Structural Coverage for Geodesic Dome Homes

Structural coverage is paramount when it comes to home insurance for geodesic dome homes. Policies should address these dwellings’ distinctive building materials and construction methods. Protection against perils such as fire, wind damage, and natural disasters must be tailored to geodesic domes’ specific vulnerabilities and strengths.

Personal Property Coverage

Beyond the structure, personal property coverage is crucial for homeowners. Geodesic dome dwellers need protection for their belongings, including furniture, appliances, and other personal items within the unique confines of their spherical homes.

Liability Coverage Considerations

Liability coverage is another essential aspect for geodesic dome homeowners. Given the unconventional design, liability protection should consider potential risks associated with visitor safety.

Customizing Coverage for Geodesic Dome Homes

Customization is vital when insuring geodesic dome homes. Homeowners should work closely with insurance providers to tailor coverage to the specific needs of their spherical dwellings. This may include addressing energy-efficient features, specialized building materials, and associated risks.

Navigating Zoning and Regulatory Compliance

Geodesic dome homes may face zoning challenges due to their non-traditional appearance. Insurance policies should comply with zoning regulations.

Atlas Insurance Agency Can Help You

At Atlas Insurance Agency, we can help answer questions concerning home insurance. We serve the Southeast Michigan area. Contact us today. 

Get Recreational Insurance – Because Trouble Never Takes a Vacation

Recreational vehicles are created and designed for fun and excitement. That is also why people from all over Southeast Michigan rely on companies like the Atlas Insurance Agency to ensure fun and excitement and to keep everyone safe. Help protect your next recreational trip and your peace of mind with the right recreational insurance policy.

It doesn’t matter if you are on the water on your jet skis, off-roading on your motorbike, or riding around the yard on your four-wheeler because recreational insurance can help in many ways. From property and accident damages to financial help for injuries requiring medical attention, the right coverage can make a world of difference.

Have Fun Without the Worry

The scene is a common one throughout the great state of Michigan and is nowhere more evident than those images of people and families having fun by any one of the lake cities of Southeast Michigan. Unfortunately, however, along with many of those recreational activities come accidents and injuries.

The good news is, with the knowledge of having recreational insurance, we can enjoy more of our recreation and leisure time with less worry. And if we ever do have to face a problem as the result of an accident, with recreational insurance, we won’t have to face those issues alone.

Insuring Recreational Vehicles All Across Southeast Michigan

Welcome to the Atlas Insurance Agency, where we offer a range of insurance plans and coverage options for recreational vehicles for residents throughout Southeast Michigan and beyond. If you are looking for recreational insurance for you and your family, then look no further than the Atlas Insurance Agency. Contact us to learn more and get the recreational insurance you are looking for today because trouble never takes a vacation.

Four reasons why it’s so important for consumers to have umbrella insurance

Umbrella insurance is important if you are a consumer in Southeast Michigan who wants to enjoy complete financial protection. We provide umbrella insurance policies to area consumers at Atlas Insurance Agency. 

There are plenty of good reasons why you should be investing in umbrella insurance.

The following are four reasons why it’s so important for consumers to have umbrella insurance:

Umbrella insurance gives consumers peace of mind.

Umbrella insurance provides consumers with peace of mind by extending liability coverage beyond the limits of their standard policies. It offers financial protection against unforeseen accidents, lawsuits, or claims that could otherwise deplete personal assets.

With an umbrella policy, individuals can navigate life’s uncertainties with confidence, knowing they have an extra layer of security to safeguard their financial future.

Umbrella insurance prevents financial problems for consumers who enjoy activities that involve liability risks.

Umbrella insurance is especially important for consumers who participate in certain activities or fill roles that involve liability risks. These include coaching a kids’ sports team, being a high-profile public figure, or frequently hosting large parties on one’s property. 

Umbrella insurance can protect a consumer’s reputation.

Umbrella insurance can protect a policyholder’s reputation by covering the costs of legal defense in case of defamation, libel, or slander lawsuits. This added layer of liability protection ensures that individuals are shielded from potentially damaging legal disputes that could tarnish their reputation and financial well-being.

Umbrella insurance typically offers worldwide coverage.

Those who often travel internationally are especially likely to benefit from carrying umbrella insurance. That’s because umbrella insurance coverage typically follows a policyholder anywhere in the world that he or she travels. With umbrella insurance, you don’t have to worry as much about liability expenses when you’re traveling in foreign countries.

Consult With Us

Get the umbrella insurance coverage you need in Southeast Michigan from Atlas Insurance Agency. Get in contact with us now for a policy quote!

Can I Have Multiple Life Insurance Policies?

At Atlas Insurance Agency in Southeast Michigan, we work with our clients to plan for the future–especially the parts of it that may be difficult to consider in the present moment like when you may pass away and leave your loved ones behind to support themselves. You may be the main earner in the family. Alternatively, you simply might want to make sure that your family has everything they need after you’re gone. A life insurance policy can go a long way in providing some extra income to loved ones after you pass away. Sometimes, it’s even enough to cover essential expenses after you’ve passed through a death benefit. 

Sometimes, one life insurance policy may not seem like enough coverage for you to feel confident that your beneficiaries will have what they need after you’re deceased. In this case, you may think about the possibility of having more than one life insurance policy. While that could be helpful, the most important question is whether it’s doable from an insurance standpoint.

Can I Have Multiple Life Insurance Policies?

While every policy and situation has unique terms, limits, and conditions to consider, you may be able to hold more than one life insurance policy at a time if your policy and agency allow it. If you hold an existing life insurance policy with another agency or the same one, the second life insurance policy’s limits will almost certainly be impacted by the existing policy. All the life insurance policies will have to stay within the confines of your insurability limit. If having multiple life insurance policies matters to you, you should contact our team to explore potential coverage options.

For more information about our life insurance policies, call Atlas Insurance Agency in Southeast Michigan today!

Types of Auto Insurance Coverage: What Do You Really Need?

If you own a car, you know that car insurance is a necessity in Southeast Michigan. However, with so many types of auto insurance coverage, it cannot be easy to understand which ones you need. Atlas Insurance Agency explains the different types of car insurance coverage, what they include, and what you need to know to make an informed decision.

Types of Auto Insurance Coverage

Liability Insurance

Liability insurance is the most basic form of car insurance and is required in Michigan. This type of insurance protects you in case you cause an accident and someone is injured or their property is damaged.

Collision Insurance

If you get into an accident, collision insurance will cover the cost of repairing your car, regardless of who is at fault. However, you must pay a deductible before the insurance company starts covering the expenses.

Comprehensive Insurance

Comprehensive insurance covers damage caused by incidents other than accidents, including theft, vandalism, fire, severe weather, and falling objects.

Personal Injury Protection (PIP)

PIP is an insurance that pays for medical expenses and lost wages if you or your passengers are injured in an accident without considering who caused the accident. The requirement for PIP insurance varies by state. It is mandatory in Michigan.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage can be helpful in case of an accident with someone who doesn’t have insurance or enough insurance to pay for damages.

We Are Here To Help

Understanding the different types of car insurance coverage is essential to ensuring that you have the right protection in Southeast Michigan. Contact Atlas Insurance Agency today if you have questions about which coverage to buy. Remember, auto insurance is an investment in your peace of mind and financial security.

Protect Your Small Business With Commercial Insurance

Owning a small business in Southeast Michigan has its fair share of challenges and rewards. Investing in the right commercial insurance coverage is crucial to safeguarding your company’s future. At Atlas Insurance Agency, we understand the unique risks businesses face in our region and offer tailored solutions to protect your operation.

Safeguard Your Financial Stability

A single unexpected event can have a devastating impact on a small business’s financial stability. By investing in commercial insurance, you can protect your company from the financial burden of unforeseen incidents. With the right policy in place, you can have peace of mind knowing that your business will be able to recover quickly and continue to thrive, even in the face of adversity.

Enhance Your Professional Reputation

In addition to providing financial protection, having a comprehensive commercial insurance policy can also help enhance your company’s reputation in Southeast Michigan. Clients and customers often view businesses with proper insurance coverage as more reliable and trustworthy. By partnering with Atlas Insurance Agency, you can demonstrate your commitment to protecting your customers, employees, and assets, helping to build trust and foster lasting relationships.

Meet Legal and Contractual Requirements

Depending on your industry and location, you may be legally required to carry certain types of commercial insurance. Additionally, many contracts with clients or vendors may stipulate specific insurance requirements. Ensuring that your business has the appropriate coverage protects your company and helps you maintain compliance with these legal and contractual obligations.

Reach Out To Us

Commercial insurance is vital to any successful small business strategy in Southeast Michigan. At Atlas Insurance Agency, our knowledgeable team is dedicated to helping you find the right coverage to protect your business and secure its future.

Contact us today to discuss your unique insurance needs and discover how we can help safeguard your company’s success.

How can home insurance protect my SE Michigan property?

Buying a home and becoming a property owner has continued to be an excellent way to build long-term wealth and receive other financial benefits. When you are looking to buy a home in the Southeast Michigan area, you will find there are a lot of great places to live. Before closing on the purchase of a home, you need to get insurance in place.

A home insurance plan will cover and protect you in multiple ways: 

Cover Dwelling

Your home and personal assets are important assets that you not only use on a daily basis but also purchase and invest in. The last thing you will want to have happen is to lose these assets due to fire, natural disaster, or other risks. If you continue to build a home insurance plan, it will give you the support that you need to protect your dwelling and other assets. If you do incur a covered loss, the insurance plan will offer support to make repairs or replacements.

Liability Risk Mitigation

There are always liability risks that come with owning a home. If you are a property owner and want to mitigate these risks, getting a full home insurance plan is a great option. This will include provisions so you can reduce and offset these risks. 

We Can Help

Anyone in the Southeast Michigan area that is looking for a new home should consider buying a property and getting the right insurance for it. Once you are ready to start looking for insurance protection here, you could benefit greatly by calling our group of insurance professionals at Atlas Insurance Agency. There are a lot of choices that you will need to make when looking for coverage, and our team with Atlas Insurance Agency can help you build a new plan.