1. From Kemner-Iott Agency
We Know Insurance. You Know Us. Let’s Talk!

2. Let’s Talk Auto Insurance!
Auto Insurance can be confusing – but no need
to worry! The friendly agents at Kemner-Iott
are here to help!
Browse our Presentation for Answers to Your
FAQ’s regarding Auto Insurance

3.  Physical damage coverage for the employee’s
vehicle would be provided under her own
personal auto insurance policy.
 However, liability would be provided by the
employer’s policy, if properly endorsed with
Employers’ Non-Ownership Liability.

4.  Since your sister’s car is titled to her, she will
need to obtain her own auto policy.

5.  Your teenage driver does not need to be
added to your auto policy as a driver until she
is licensed to drive a vehicle by herself.

6.  Every company’s rental contract is different,
so always check with your credit card
company and your agent before you decline
their coverage. Then, make an informed
decision, relax, and enjoy!

7.  Yes you can, because you are the owner or
co-owner of the vehicle. The liability on your
auto policy will protect you and your
daughter.
 The driver (friend) of the vehicle will have
liability coverage from her auto policy or the
auto policy in her household.

8.  No-Fault Insurance
 States with no-fault insurance have higher
premiums than tort law states
 Unlimited Personal Injury Protection
 Michigan is the only state that requires drivers to
purchase unlimited personal injury protection.
 Results in incentives to use expensive medical
procedures
 Uncertainty about cost increases premiums

9.  Kemner-Iott is your Independent Insurance
Agency, with three locations to serve you
better!
 Give us a call at one of our local branches:
 Adrian: 517.265.7000
 Ann Arbor: 734.971.1000
 Cassopolis: 269.445.2425