Auto Insurance Woes: Warren, Michigan Investigates La Claims

LA Insurance is a company that offers auto insurance to Michigan drivers. In the past, the company has been investigated for selling physical damage policies without the mandatory liability and no-fault coverage. This practice is becoming more common due to high insurance rates in red-lined areas. While it does not appear to violate any laws if the customer is made aware of the limited coverage, it is still a predatory insurance practice. More recently, LA Insurance has been accused of selling short-term car insurance policies that cancel after 13 days, going back on a promise made to the Insurance Commissioner to stop selling such policies.

LA Insurance sells car insurance without mandatory liability and no-fault coverage

LA Insurance is an affordable insurance company that has been serving clients across the USA for over 32 years. They offer insurance for cars, boats, motorcycles, RVs, and business vehicles. The company claims to be the cheapest insurance provider, offering low down payment options and flexible monthly payment plans.

However, in 2016, a client of Lee Steinberg Law Firm purchased insurance through an LA Insurance agency in Royal Oak, Michigan, and later discovered that the policy did not include mandatory liability and no-fault coverage. Under Michigan law, Personal Injury Protection (PIP) no-fault and bodily injury coverage are mandatory. PIP coverage, also known as no-fault coverage, provides benefits such as the payment of lost wages, hospital and doctor bills, and case management services if an individual is injured in a car accident. Liability insurance, on the other hand, protects individuals from being sued personally if they cause a car accident.

The client in question only had collision and comprehensive insurance, which covers the vehicle itself and not the owner or occupants. Upon contacting the insurance carrier, USA Underwriters, the client was informed that her policy did not include Michigan no-fault benefits. A review of her policy revealed that she had only purchased coverage for the car and not for herself as the owner or any occupants.

The Lee Steinberg Law Firm contacted a fraud representative with the Michigan Department of Insurance and Financial Services (DIFS), who confirmed that LA Insurance and USA Underwriters were being investigated for selling physical damage policies without the mandatory coverages in Michigan. This practice is becoming more common due to high insurance rates in red-lined areas, but it does not appear to violate any laws as long as the customer is made aware of the limited coverage. However, it is essential to ensure that customers receive proper documentation and warnings about the extent of their insurance coverage.

LA Insurance has been in business for over 32 years and serves clients in over 200 sites across Michigan, Nevada, Texas, Georgia, Florida, Arizona, and Colorado. They claim to be the largest independent insurance agency in North America. The company offers customizable coverage options, flexible payment plans, and quick policy activation. LA Insurance also specializes in providing coverage for high-risk drivers who may struggle to obtain insurance from larger or more generalized insurers.

LA Insurance sells short-term car insurance policies that cancel after 13 days

LA Insurance is an affordable insurance company that has been serving clients across the USA for over 32 years. The company offers protection for cars, boats, motorcycles, RVs, and business vehicles.

In 2019, it was discovered that LA Insurance was selling short-term car insurance policies that cancel after 13 days. This was after the company had promised the Insurance Commissioner that it would stop selling such policies to Michigan drivers.

The 13-day policies were sold as 6-month policies with a requirement for a second payment to be made by the 13th day. If the second payment was not made, the policy would be canceled. Many customers did not understand this and believed they were signing up for a 6-month policy with monthly payments.

As a result of these practices, LA Insurance/USA Underwriters are currently being investigated for selling physical damage policies only in Michigan. This investigation was prompted by numerous complaints from consumers.

LA Insurance has also been criticized for selling car insurance policies to customers without mandatory coverages, such as PIP no-fault and bodily injury coverage.

LA Insurance sells insurance to high-risk drivers

LA Insurance is an affordable insurance company that has been serving clients across the USA for over 32 years. They offer a range of insurance products, including auto, renters, motorcycle, boat, commercial auto, and RV insurance. LA Insurance is unique in that it provides coverage for high-risk drivers who may struggle to get insurance elsewhere.

High-risk drivers are those with a problematic driving record, including multiple tickets or accidents, serious violations such as a DUI or reckless driving charge, a history of driving uninsured, or bad credit. Insurance companies see these drivers as more likely to file a claim and, therefore, charge higher insurance rates.

LA Insurance stands out as it offers the lowest monthly installments and down payments compared to larger insurers, without compromising on coverage. They provide flexible payment plans and quick policy activation, ensuring customers receive the protection they need almost instantly.

LA Insurance has a strong local presence and a broad understanding of the insurance needs of the community. Their local agents provide customized insurance policies, assessing each customer's unique needs and financial situation.

While LA Insurance was investigated in 2016 for selling physical damage policies only in Michigan, this practice is not uncommon due to high insurance rates in red-lined areas. As long as customers are made aware that the policy is for physical damage only and that no-fault and liability coverage must be obtained elsewhere, it does not appear to violate any laws.

In summary, LA Insurance is a reliable and affordable option for high-risk drivers seeking car insurance. With their flexible payment plans, quick activation, and personalized support, they ensure that customers get the coverage they need at a reasonable cost.

LA Insurance has a local presence in Warren, Michigan

LA Insurance is an affordable insurance company that has been serving clients across the USA for over 32 years. The company offers a range of insurance services, including auto, renters, motorcycle, boat, commercial auto, and RV insurance. LA Insurance has a strong local presence in Warren, Michigan, and is committed to providing effective coverage solutions to the community.

The company's local agents in Warren are knowledgeable and licensed professionals who understand the insurance needs of the community. They provide personalized guidance and customized insurance policies based on the client's location and financial situation. LA Insurance offers flexible payment plans and low down payment options to make their services accessible to everyone.

In addition to their local presence, LA Insurance also has a website where clients can compare quotes, choose their policy, and get insured online. The company serves over 200 sites across the USA, including Warren, Michigan, where they provide expert assistance to their clients.

LA Insurance's goal is to ensure the highest quality coverage at the lowest cost. They have been delivering low-cost insurance solutions for more than 32 years and are now North America's largest independent insurance agency. The company's strong local presence and understanding of the community's insurance needs make them a reliable choice for residents of Warren, Michigan.

LA Insurance sells commercial auto insurance

LA Insurance is an affordable insurance company that has been serving clients across the USA for over 32 years. They offer a range of insurance services, including commercial auto insurance.

Commercial auto insurance from LA Insurance provides protection for business vehicles, including taxis, delivery vans, and trucks. Their policies are customizable and can include comprehensive, collision, bodily injury, and liability insurance.

The company has a strong local presence and offers personalized support from skilled insurance agents. They assess the client's insurance needs based on their location and financial situation and offer competitive rates from multiple companies.

LA Insurance's commercial auto insurance provides peace of mind and financial protection for businesses and their vehicles. Their flexible payment plans and low down payment options make them a cost-effective choice for businesses looking to manage their insurance costs effectively.

With their experience and understanding of the community, LA Insurance delivers effective coverage solutions, including for high-risk drivers. Their quick policy activation provides immediate coverage, and their easy claim-filing process ensures prompt review and evaluation for quick payment arrangements.

Overall, LA Insurance's commercial auto insurance offers businesses a reliable and affordable way to protect their vehicles and manage their insurance costs.

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