Auto Glass and Auto Insurance

Many of us in the Rochester Hills, MI, area have experienced that unsettling sound of a stone hitting our windshield as we travel down the highway. It can take a minute or two to process the event, and then we usually go on an immediate search to see if there was any damage.

At Guy Hurley McNeil, we frequently get calls asking who is responsible if a windshield gets damaged while traveling. The answer is that it will likely fall on you. Here’s why.

Proving fault is difficult.

When a stone or pebble gets kicked up on a freeway, it can be hard to determine what caused it. Even if you see a potentially liable vehicle, it can be challenging to prove blame.

You will likely need to pay your deductible.

While some states have a zero deductible for windshield repair or replacement, Michigan is not one of them. If you incur windshield damage, you will, at the minimum, be responsible for your deductible. In many cases, that deductible will cover the cost of repair or replacement. A claim would not likely result in a monetary reimbursement under normal circumstances.

Would a glass damage claim impact insurance rates?

It is not likely any glass damage claims would increase your auto insurance rates in Michigan. Many glass damage claims remain unreported.

The bottom line.

If you have windshield damage that will cost $700 to repair and you have a $1000 deductible, you will ultimately pay for the full cost of replacement. This is one of the downsides of increasing the deductible to save on monthly car insurance premiums.

Get a quote today.

If you live in the Rochester Hills, MI, area and have questions about car insurance, your specific coverage, or how you may be able to improve your protection, we invite you to contact us at Guy Hurley McNeil. We want you to feel comfortable about your coverage and what you pay. Reach out to us for a free, no-obligation auto insurance review and price quote today.

Surprising Things Covered by Home Insurance

You know your homeowner’s policy protects your investment in your home. However, there are some surprising things you may not know are covered by home insurance. We offer homeowner’s insurance to the metro Detroit area at Guy Hurley McNeil in Rochester Hills, MI. 

Identity Theft

Most homeowner’s policies offer protection from identity theft and online fraud. This has been the standard for about ten years, but most homeowners don’t realize they have this type of coverage. Your policy may cover lost wages, legal expenses, and other expenses associated with identity theft. 

Spoiled Food 

You may know that your homeowner’s policy covers your personal belongings. However, you may not know that this includes the food in your fridge. 

If food becomes spoiled due to a power outage, fire, or other covered event, your policy will pay to restock your fridge and freezer. 

Living Expenses 

Imagine your home is damaged by fire, and you have to live somewhere else until the damage is repaired. If your home is temporarily unlivable or destroyed, your homeowner’s policy will pay for your living expenses until you can get back into it. This includes rent or hotel room and food costs. 

New Door Locks 

You may be aware your homeowner’s policy covers theft and vandalism. If items are stolen, your policy will cover their value. You are also covered if your window or door is broken in a burglary. However, you may not know it also covers new door locks if they are damaged during a break-in. 

Homeowner’s Insurance at Guy Hurley McNeil

If you need a homeowner’s policy or want to upgrade your existing coverage, contact Guy Hurley McNeil in Rochester Hills, MI. Our experienced agents are here to help you select the best policy for your needs. 

Does Your Automotive Policy Require a Coverage Increase?

Car insurance is a critical safeguard that provides financial protection should you be involved in a vehicular accident. Here are some guidelines to help you calculate the amount of coverage you need.

Reflect on Past Incidents

Reviewing past incidents that required out-of-pocket expenditure is an excellent place to begin. If you currently only have liability coverage, for example, you might have been liable for the costs associated with vehicle repairs. Upscaling the type of coverage may cover expenses arising from an accident that is your fault.

Consider Car Value

Take into account the value of your car. Naturally, if your vehicle is expensive, increasing the amount of coverage would be advisable. Make sure to reassess your coverage needs each time you replace or upgrade your vehicle.

Your Net Worth

Calculate your net worth. This is a critical factor to consider when determining the coverage amount. Your policy should not only provide adequate coverage but also comfortably fit within your budget.

Special Circumstances

Consider specific circumstances that may warrant extra insurance coverage. Add-on insurance products offer an additional layer of protection. For instance, an add-on insurance product might be beneficial if you frequently tow other vehicles.

A wide choice of add-on products is available. These insurance features are optional, allowing you to pick what best suits your needs based on your driving patterns.

Consult with Guy Hurley McNeil Insurance

Schedule an appointment with one of our proficient Guy Hurley McNeil insurance agents. An agent serving Rochester Hills, MI, will provide you with a customized automotive insurance policy tailored to your specific needs.

How is high-value insurance different from a regular homeowner’s policy?

Homeowners with luxury homes in or near Rochester Hills, MI, may be eligible for high-value homeowner’s insurance. While some similarities exist with regular homeowner’s insurance, high-value policies also boast unique features. Allow us at Guy Hurley McNeil to illustrate how high-value policies can offer superior protection for your upscale residence and the items you keep inside.

Extensive Coverage and Enhanced Limits

Many high-value insurance policies provide coverage for your dwelling based on replacement costs rather than on an open perils basis. Luxury homeowners often seek coverage for unique items such as artwork and jewelry, which usually require a rider on a regular homeowner’s policy. Additionally, high-value policies afford higher coverage limits for contents, clothing, and the like. Some even cover water backup, identity theft, and landscaping damage. Certain providers specialize in luxury home insurance and offer superior customer service levels.

Determining the Adequate High-Value Coverage for Your Premium Residence

Your high-value home insurance needs primarily depend on your home’s value. High-value policies usually cover homes valued at $750,000 and above, with some companies only insuring homes valued at $1 million and up. However, other factors include your personal property amount and unique circumstances, such as having a private sports court or swimming pool. If you’re a public figure, you might need increased liability coverage. Many luxury homeowners choose an umbrella liability policy to safeguard against such risks. Further, additional living expenses tend to be higher for luxury homeowners if their homes become uninhabitable.

Contact Guy Hurley McNeil to Explore Your Options

Guy Hurley McNeil, helping homeowners in and around Rochester Hills, MI, can help you determine the coverage you need. Contact our office today to set in motion a policy that provides optimal protection for your luxury home.

Insurance for Uber and Lyft Drivers

Navigating Rideshare Insurance

Typical auto insurance policies often fall short of protecting drivers engaged with rideshare companies like Uber and Lyft. At Guy Hurley McNeil agency, we specialize in familiarizing rideshare drivers with policies crafted specifically for their needs.

Considerations for Rideshare Insurance Coverage

Rideshare drivers should contemplate including liability coverage, which covers damages where the driver is at fault, comprehensive and collision insurance that pays for vehicle damages irrespective of fault, and uninsured/underinsured motorist coverage for situations where the other driver lacks adequate insurance.

Risks of Rideshare Driving and Available Coverage

Conventional insurance often does not bridge the gap between personal and commercial auto insurance. Rideshare drivers can fall into perilous coverage gaps. Our specialized policies fill these gaps to ensure unforeseen incidents don’t drain a driver’s finances.

Reach out to Guy Hurley McNeil Today

At Guy Hurley McNeil, we strive to understand individual circumstances to provide options tailored to each driver’s unique situation. Our goal is to equip drivers with the specialized protection and confidence they need. Drivers in Rochester Hills, MI, and neighboring areas can trust our team to tackle specific complexities of Uber and Lyft coverage requirements. Contact us today to stay focused on the road without worry.

Three Types of Auto Insurance Coverage

When you own a vehicle, you are required to have an auto insurance policy for it. It’s never a good idea to try to go without this insurance. This will put you in danger of fines and fees and make you vulnerable to the high cost of accidents. Different kinds of coverage can be included in auto insurance policies. Here are three of the types that policies should have to keep you protected. When you need auto insurance, call us at Guy Hurley McNeil in Rochester Hills, MI, to get started. 

Liability Coverage 

Every auto policy needs to have two types of liability coverage. Both are required in Michigan. Your auto policy should have both property damage and bodily injury liability coverage. Each of these protects against different costs you may be responsible for. When you have property damage liability, this pays for the cost of repairs to the other vehicle involved in the accident. The bodily injury coverage pays for the other party’s medical bills when they are injured in an accident with your vehicle. 

Collision Coverage

When you have collision coverage, it protects you against damage to your own property. When you’re in an accident, this coverage can pay for the repairs you need for your vehicle when you’re at fault for the accident. This is important to have with the high cost of repairs today. 

Comprehensive Coverage

This protects you against the many dangers of your vehicle when it isn’t being driven. Many things can happen to a car; you can protect against them with this type of coverage. 

Get Auto Insurance in Rochester Hills, MI

If you don’t have the needed coverage, now’s the time to get it. Call us at Guy Hurley McNeil in Rochester Hills, MI.

Beyond Four Walls: Crafting a Comprehensive Home Insurance Policy in Rochester Hills

Nothing is worse than having your home vandalized or damaged by a natural disaster and caught without adequate home insurance coverage. The financial repercussions and the emotional toll taken on families can be overwhelming. Incidents like these highlight the importance of proactive planning and choosing a comprehensive home insurance policy that can help families quickly recover from unexpected losses. 

If you want to secure your Rochester Hills, MI home, a comprehensive home insurance policy is an excellent way to start! Insurance professionals at Guy Hurley McNeil in Rochester Hills can help you craft a policy to protect your most important investment. 

How Home Insurance Protects Your Interests

Living in the tranquil city of Rochester Hills, MI comes with many upsides. However, like any other US city — it has at least one or two downsides. Home insurance protects your interests from extensive financial loss. 

Offset the Damages Associated with Natural Disasters and Theft

Home insurance can help cover the costs incurred during events like fires, vandalism, theft, or natural disasters that can strike your dwelling at any time without warning. Experienced insurance professionals at Guy Hurley McNeil can explain the benefits and coverage limits for dwelling insurance coverage, liability coverage, and additional living expense coverage. 

Trusted Insurance Partners Guide You Through the Process

In the face of uncertainty, having a trusted and reliable insurance partner is paramount. Get peace of mind and make sure your family’s financial interests are well protected with home insurance.

Our knowledgeable and friendly insurance agents are standing by to answer your questions, address your insurance-related concerns, and guide you through the intricacies involved in crafting a tailored home insurance policy. Contact an insurance expert to get a quote today! 


How do auto insurance companies assess my risk?

Auto insurance companies use various information sources to determine the risk they take when insuring an individual or family. Some information is the applicant’s demographic characteristics, previous driving and accident history, vehicles, and other factors. The information is used in formulas to determine the premium required to insure the applicant or others like them profitably. Guy Hurley McNeil, serving the Rochester Hills, MI area, is here to help you understand and acquire the insurance coverage that will best protect you and your family.

Auto Insurance Risk Factors

Auto insurance companies have decades of information on driver profiles, accident histories, claim volumes, and the money paid in claims. That information helps them understand how accidents and claims vary by age, gender, marital status, and similar applicant characteristics. While the insurance company cannot know how safe a specific 16-year-old driver will be, history tells them that new drivers experience more accidents than experienced drivers, so all else equal, younger drivers have higher premiums.

Besides demographic characteristics, previous accidents, traffic tickets, and other driver record elements influence the risk calculation. Likewise, the vehicle’s value, safety equipment, and performance characteristics affect the likelihood of accidents and the cost of repairs if one occurs. Of course, the coverage limits and deductibles an applicant chooses also affect the expected risk.

An emerging trend for assessing and incorporating risk is usage-based insurance (UBI). UBI uses vehicle telematics to track driving habits, such as speeding, hard braking, and miles driven, with premiums adjusted based on the risks posed by such driving.

Working With Guy Hurley McNeil

Our team at Guy Hurley McNeil serves the Rochester Hills, MI area and will happily answer your insurance questions and prepare a policy to meet your needs best. Call or stop in to see us today.

What Does Auto Insurance Cover?

Our agents at the Guy Hurley McNeil Insurance Agency, serving the Rochester Hills, MI area, want you to know that auto insurance is required in Michigan.

Auto Liability Insurance

All drivers in the state of Michigan must have at least an auto liability insurance policy. If you drive a vehicle, you better have auto liability insurance if you are pulled over or involved in an accident. The reason for this is to protect you and the other driver if you cause an accident and the other driver or their passengers suffer injuries or property damage. While auto liability insurance coverage is required, there are several different auto insurance options you can choose from to add to your policy.

Comprehensive Insurance Coverage

Comprehensive insurance is a wonderful policy to have in place. This is because it will help you financially if your vehicle is destroyed or damaged by a tornado or some other natural disaster. It will also help you cover expenses if your car catches on fire or someone vandalizes it. If you walk outside to get in your vehicle and it’s gone because somebody stole it, your comprehensive insurance policy will help you replace it.

Collision Insurance Coverage

Collision insurance is also important. This is because at any time, while you’re driving on the road, you could collide with another vehicle or some sort of object, such as a pole or sign. If this happens, this part of your policy will help you repair your vehicle.

Uninsured or Underinsured Motorist Coverage

You never know when you will become involved in an accident, and the other driver may not have enough insurance to cover your injuries or property damage. This is the reason it’s a good idea to have uninsured or underinsured motorist coverage to make up for the lack of insurance on the other person’s part.

Contact Guy Hurley McNeil Insurance Agency

There are other types of auto insurance coverage that our agents at the Guy Hurley McNeil Insurance Agency, serving the Rochester Hills, MI area, can help you choose from, along with the main ones listed above. Call today for an appointment and get your policy started!

Home-Based Businesses and Home Insurance: Everything You Need to Know

Home-based businesses are on the rise, with more people turning their homes into hubs of entrepreneurial activity. If you’re one of these enterprising individuals, it’s essential to understand how your home-based business can impact your home insurance. Guy Hurley McNeil, providing home insurance to residents in the greater Rochester Hills, MI region, wants to help educate you on this topic.

Assess Your Current Coverage

The first step is to review your existing home insurance policy. Standard homeowners or renters insurance typically covers personal property but may not extend to business-related items or liabilities. Knowing what your current policy includes is crucial to identify any gaps in coverage.

Consider Business Endorsements

Consider adding business endorsements or riders to your policy to protect your home-based business. These specialized add-ons can broaden your coverage to include business equipment, inventory, and even liability related to your home-based business activities. Consult your insurer to discuss your specific needs.

Liability Protection

Running a business from home means interacting with clients or customers on your property. If someone gets injured during a business-related visit, your standard policy might not cover it. Liability protection is crucial in these situations. Discuss options with your insurer to ensure you have sufficient coverage.

The rise of home-based businesses is an exciting entrepreneurial shift, but it comes with insurance considerations. With the right insurance in place, you can confidently pursue your entrepreneurial dreams from the comfort of your own home. If you’re an entrepreneur who works out of your home, Guy Hurley McNeil can help you find the right home insurance policy for your needs in the greater Rochester Hills, MI region. Call us to obtain an estimate.