It’s been in the news frequently over the last year but there has finally been a resolution to change car insurance for Michigan drivers. In case you somehow managed to miss it, Michigan Legislature recently voted to make significant changes to not only how our state’s auto insurance will work but the way policy premiums can be decided. What do all of these changes mean to the average Grand Rapids driver? Well, that’s still up for debate on how it will all shake out in the end but we’ll start with the changes to Michigan’s No-Fault auto insurance and leave it up to you to form an opinion.

 

New Options For PIP (Personal Injury Protection)

Michigan is the only state in the USA that mandates all drivers carry an unlimited amount of personal injury protection or PIP on their policy. But having this mandate also means Michigan drivers pay the highest premium in the entire country. In an attempt to curb the cost of insurance premiums, lawmakers have now required insurance providers to offer a variety of options ranging from a continued unlimited medical benefit policy, a $500,000 policy, a $250,000 policy, a $50,000 for Medicaid enrollees and the ability to opt out entirely if someone has other qualified health coverage. In doing so, the Michigan Catastrophic Claim Association Fee would be reduced by 80% for all options other than unlimited coverage.

 

Empowers Insurance Fraud Division

Auto Insurance Fraud entails someone deceiving an insurance company regarding a claim on their vehicle. This type of fraud can include submitting misleading information or false documentation to support their claim. Every year, insured drivers end up absorbing the cost of this fraud which can add an astonishing $200-$300 more to your insurance premium annually. Changes to Michigan’s No-Fault insurance aim to strengthen the insurance fraud division within the state Department of Insurance and Financial Services to empower law enforcement to crack down on auto insurance fraud.

 

Eliminates Non-Driving Rating Factors

Did you know that if you are a young male, you’ll pay more for insurance than a female? Or if you that having bad credit can mean your insurance premium will also be higher than someone that has excellent credit? In the past, insurance companies were legally able to base what rate you would pay for insuring the same make, model and year of a vehicle as someone else based on factors such as gender, marital status or the zip code you lived within. The accepted changes look to level the playing field by removing factors that are not driving related.

 

Implements Fee Schedule

The hope of this change is to end excessive and overinflated health care costs related to auto insurance claims by implementing a fee schedule to cap the amount providers can charge insurers which to date, have often been much higher than the same services charged for patients who have Medicaid or workers compensation. By creating a No-Fault fee schedule based on the Medicare fee schedule, this would govern what charges doctors, hospitals, clinics, rehabilitation facilities and any provider who cares for and treats car accident victims could charge for doing so. Depending on the type of facility involved, whether a substantial portion of its patients are incapable of paying out of pocket, whether it is a freestanding rehabilitation facility or various levels of trauma centers, reimbursement could range from 190% to 250% of the amount payable under Medicare.

 

While there may be tweaks and small changes moving forward, these changes have been approved and signed to go into effect on July 1, 2020, and remain for eight years. The variable fee schedule to cap medical costs would go into effect July 1, 2021, and start at 200% to 240% of Medicare rates and then be reduced to 195% to 235% of Medicare in 2022, and then followed by another reduction to 190% to 230% of Medicare rates in 2023. It’s still undecided if these new changes to the law will positively impact insurance rates with a reduction but in the end, that is the hope and objective. We’ll have to see how it all plays out.

 

If you find yourself searching for your next used SUV, minivan, truck or car to fit your needs and your budget, we invite you to check out all of our theft recovered inventory or all of our current inventory of Used Trucks, Vans, SUVs and Cars. At Broadmoor Motors, we specialize in finding the right used minivan, truck, SUV or car to fit your personal or business needs, all while giving you the best deal we can on both your purchase and trade in. Our family has been in the car business for over 60 years and continues to be family owned and operated in all of our Caledonia, Hastings and Wayland locations with financing available to those who qualify. We will find you the right vehicle to fit both your budget and your needs in a pressure-free environment.

Check out our reviews online and buy with confidence!! Family Owned & Operated and with Financing Available, we stand behind our Vehicles and our Warranty so you can be assured your used Car, Truck, Van or SUV will be reliable! Broadmoor Motors is your local choice for Car Sales in the greater Hastings, Middleville, Caledonia, Grand Rapids, Wayland, Byron Center, Dorr, Hopkins, Kalamazoo, Battle Creek, Lansing, Lake Odesa, Kentwood, Holland, Zeeland, Moline, Cutlerville, Wyoming, Hudsonville, Grandville, Jenison, Hamilton, Ionia and Allegan. Ask about our BMG Protection Plan, this is not an aftermarket product! area. Let Broadmoor Motors save you time and money when buying your next quality, Pre-Owned Car, Family Minivan, All Wheel Drive SUV, Commercial Van or Work Truck. Whether you need to replace your current car, minivan, truck or SUV with a great used vehicle, we can help you out. Broadmoor Motors is here for all your Car Sales, and Auto Service needs in the Byron Center, Kentwood, Caledonia, Middleville, Hastings, greater Grand Rapids, Wayland and Barry County area. With three locations to serve you in Wayland, Hastings and Caledonia, we’re here for all your Sales & Service needs. Give us a call at 616.698.9595 in Caledonia, 269.397.2400 in Wayland or 269.320.6304 in Hastings to see how we can get you back on the road!

They say there are two seasons in West Michigan… Winter and construction. And we’d say based on the all of the Road Closed signs you find driving in and around Grand Rapids, that’s a pretty accurate depiction. From the time the snow melts in Michigan until the time it snows again, crews set to work fixing and repairing our roads. While extremely helpful in the long run, it can be frustrating for your everyday commute or creating unexpected delays on your chance to get away out of town. Here are our tips to avoid the construction madness this summer!

Know Before You Go

Online Heads Up

It might sound oversimplified but the best way to avoid road construction is to know where it exists beforehand. Whether you are driving locally or taking a nice, long summer road trip, there are websites available to give you a heads up on upcoming road closures and delays from a local perspective as well as across the state. Checking local websites like Kent County Road Commission or Ottawa Country Road Commission can help you see today’s posted work schedule and even future road projects to avoid unpleasant surprises on your daily commute. Additionally, each state, including this one in Michigan, should offer their own version of the same, showcasing highway closures and other large projects so you can know before you get there.

Smartphone Apps

There are also smartphone apps available to give you a heads up on real-time traffic reports and road closures. Some of the top free apps include Google Maps, Waze, Apple Maps, Intrix, Mapquest and TomTom GPS. These apps can offer up to date road reports, including accidents, delays and speed traps, by utilizing the hundreds of millions of users worldwide who have the app on their smartphone as well as having their locations turned on, which in turn sends anonymous bits of data to the app. Utilizing all of this data, with some apps allowing for even further input from users to manually give updates to the information, the apps are able to calculate the average speed and amount of traffic on area roads at any given time. These updates can offer you suggestions on what is the best route to take with an estimated time of arrival and other suggestions that can include avoiding toll roads and highways if that is preferred by the driver but also can notify you if road conditions change suddenly on your route due to a car accident, a break down or if there is a car pulled over on the side of the road causing a gawker slowdown. Which means that using these apps can save you the hassle of unexpected delays while traveling unfamiliar roads or even familiar routes that may be hampered by a sudden stoppage or closure. Instead, they can offer you alternative routes or simply letting you know that despite a delay, your path remains the quickest one. Although all of the aforementioned apps are free, they might not all be equal with the same functions and depending on your preferences, you may choose to use one over the others if ads or reliability are an issue for some.

 

Take An Alternative Route

There’s something to be said about taking the road less traveled, and the threat of construction congestion may behoove you to do just that in order to avoid unneeded stress and frustration. Despite having the upper hand of technology on our side when traveling the greater Grand Rapids roads this summer, there may come a point in time where you may simply choose to forego traveling within construction zones, even if they remain the quickest route. in doing so, as an added bonus, you may even find that taking the back way to a destination may not only offer a more peaceful and quiet commute but might help you find a yet to be discovered favorite unknown shop, bakery, restaurant or a fun, new town you and your family might want to stop to visit in the future.

 

If you find yourself searching for your next used SUV, minivan, truck or car to fit your needs and your budget, we invite you to check out all of our theft recovered inventory or all of our current inventory of Used Trucks, Vans, SUVs and Cars. At Broadmoor Motors, we specialize in finding the right used minivan, truck, SUV or car to fit your personal or business needs, all while giving you the best deal we can on both your purchase and trade in. Our family has been in the car business for over 60 years and continues to be family owned and operated in all of our Caledonia, Hastings and Wayland locations with financing available to those who qualify. We will find you the right vehicle to fit both your budget and your needs in a pressure-free environment.

Check out our reviews online and buy with confidence!! Family Owned & Operated and with Financing Available, we stand behind our Vehicles and our Warranty so you can be assured your used Car, Truck, Van or SUV will be reliable! Broadmoor Motors is your local choice for Car Sales in the greater Hastings, Middleville, Caledonia, Grand Rapids, Wayland, Byron Center, Dorr, Hopkins, Kalamazoo, Battle Creek, Lansing, Lake Odesa, Kentwood, Holland, Zeeland, Moline, Cutlerville, Wyoming, Hudsonville, Grandville, Jenison, Hamilton, Ionia and Allegan. Ask about our BMG Protection Plan, this is not an aftermarket product! area. Let Broadmoor Motors save you time and money when buying your next quality, Pre-Owned Car, Family Minivan, All Wheel Drive SUV, Commercial Van or Work Truck. Whether you need to replace your current car, minivan, truck or SUV with a great used vehicle, we can help you out. Broadmoor Motors is here for all your Car Sales, and Auto Service needs in the Byron Center, Kentwood, Caledonia, Middleville, Hastings, greater Grand Rapids, Wayland and Barry County area. With three locations to serve you in Wayland, Hastings and Caledonia, we’re here for all your Sales & Service needs. Give us a call at 616.698.9595 in Caledonia, 269.397.2400 in Wayland or 269.320.6304 in Hastings to see how we can get you back on the road!

When people consider buying a vehicle, they often grapple over whether to buy a new or used one to fit their needs. Often times, they try to weigh the benefits of paying more for a brand new car, van, SUV or truck over a used one, with one of those highlighted benefits being the safety net of a warranty accompanying that purchase. But If you’re one of the 71% of Americans polled who are considering buying a used car over new, you might be asking yourself if you truly have to sacrifice a warranty in order to save money?

Many people are completely surprised to find out that it’s possible to save thousands by buying a quality used vehicle from Broadmoor Motors that also comes backed by a FREE 30 Day/3000 Mile powertrain warranty. In addition to our standard 30 Day Warranty that’s offered on nearly all of our vehicles at our Caledonia, Hastings and Wayland locations, we offer our customers the ability to purchase an Extended Protection Plan, which offer varying levels of coverage to meet both their needs and their budget.

Before we talk about what makes Broadmoor Motor’s warranty different than other dealerships, it’s important to understand what are extended service plans. Extended Service plans are essentially insurance plans that safeguard against possible unexpected and expensive repairs that might arise in the future. They cover certain repairs which are agreed upon in the plan for a specific period of time or mileage once the vehicle and extended plan are purchased, and they can offer the buyer peace of mind that they won’t be out thousands of dollars in the future should problems arise.

 

Unlike many Extended Service plans which are handled by outside parties, our Broadmoor Motors options are all locally administered so you won’t ever have to deal with needing to call a strange 1-800 number only to be told you’ll have to take your vehicle to some remote dealership you have no relationship with. Our customers need only to contact us and then repairs are handled by us. Our service products have been built with the primary focus of our customer’s needs in mind and are not an attempt to just try to sell them something that is completely unnecessary. Unlike an outside party, we feel like we are familiar with the history of our vehicles and our customer, making us far more capable of providing the right coverage to fit them individually.

A common misperception is that a hassle-free claim is not possible with an extended warranty but at Broadmoor Motors, it’s our goal to provide it for our customers! We offer our customers a complimentary car rental during the entire repair of the vehicle so they can still live their lives with a minimal amount of inconvenience while the claim is being handled. We also provide complimentary towing to our dealership so we can get to work resolving any problem. In addition, our warranties are transferable which means you have an added plus for anyone buying the vehicle from you privately in the future. PLUS, our warranties are backed by a locally owned and operated company who has built a trusted reputation while being in the automotive business for over 60 years in the Grand Rapids area!!

 

So what warranties do we offer?

Our Silver Plan Covers:

  • Internal Engine
  • Transmission (Manual & Auto)
  • Fluids
  • Seals & Gaskets

 

Our Gold Plan Covers:

  • Internal Engine
  • Transmission (Manual & Auto)
  • Fluids
  • Seals & Gaskets
  • A/C
  • Electrical & Cooling
  • Drive Axles
  • Suspension
  • Anti-lock Brake Systems
  • Steering

 

Our Platinum Plan Covers:

  • Internal Engine
  • Transmission (Manual & Auto)
  • Fluids
  • Seals & Gaskets
  • A/C
  • Electrical & Cooling
  • Drive Axles
  • Suspension
  • Anti-lock Brake Systems
  • Steering
  • Bumper to Bumper Coverage
  • No Deductible
  • Roadside Assistance

You can find a complete list for all three of our Platinum Plan, Gold Plan & Silver Plan coverages which range from full bumper to bumper coverage to our recommended minimum coverage on our website here.

 

If you find yourself searching for your next used SUV, minivan, truck or car to fit your needs, that comes backed by a Warranty and your budget, we invite you to check out all of our theft recovered inventory or all of our current inventory of Used Trucks, Vans, SUVs and Cars. At Broadmoor Motors, we specialize in finding the right used minivan, truck, SUV or car to fit your personal or business needs, all while giving you the best deal we can on both your purchase and trade in. Our family has been in the car business for over 60 years and continues to be family owned and operated in all of our Caledonia, Hastings and Wayland locations with financing available to those who qualify. We will find you the right vehicle to fit both your budget and your needs in a pressure-free environment.

Check out our reviews online and buy with confidence!! Family Owned & Operated and with Financing Available, we stand behind our Vehicles and our Warranty so you can be assured your used Car, Truck, Van or SUV will be reliable! Broadmoor Motors is your local choice for Car Sales in the greater Hastings, Middleville, Caledonia, Grand Rapids, Wayland, Byron Center, Dorr, Hopkins, Kalamazoo, Battle Creek, Lansing, Lake Odesa, Kentwood, Holland, Zeeland, Moline, Cutlerville, Wyoming, Hudsonville, Grandville, Jenison, Hamilton, Ionia and Allegan. Ask about our BMG Protection Plan, this is not an aftermarket product! area. Let Broadmoor Motors save you time and money when buying your next quality, Pre-Owned Car, Family Minivan, All Wheel Drive SUV, Commercial Van or Work Truck. Whether you need to replace your current car, minivan, truck or SUV with a great used vehicle, we can help you out. Broadmoor Motors is here for all your Car Sales, and Auto Service needs in the Byron Center, Kentwood, Caledonia, Middleville, Hastings, greater Grand Rapids, Wayland and Barry County area. With three locations to serve you in Wayland, Hastings and Caledonia, we’re here for all your Sales & Service needs. Give us a call at 616.698.9595 in Caledonia, 269.397.2400 in Wayland or 269.320.6304 in Hastings to see how we can get you back on the road!