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An insured must review his or her insurance policy at least annually

As Michigan residents, it is important to prepare for any unforeseen circumstances. Whether it's the harsh winter weather, the large number of auto accidents, fires, frozen pipes, or other unforeseen emergencies, having the right insurance coverage can make all the difference.


But simply having insurance isn't always enough. In this blog post, we'll delve into the significance of reviewing insurance policies, at least annually.

An insured must review his or her insurance policy at least annually

Understanding Michigan's Legal Framework:


Michigan's legal system, like any other state, is complex and subject to change. From auto insurance requirements to property damage liabilities, the legal framework surrounding insurance is multifaceted, complicated, and regularly necessitate the advise of attorneys specializing in insurance coverage.

The Importance of Insurance Policy Review:


1. Ensuring Compliance: Regularly reviewing insurance policies helps ensure compliance with Michigan's laws and regulations, contractual provisions, or other similar requirements. For instance, staying updated on changes in minimum coverage requirements for auto insurance is crucial to avoid penalties and legal complications.


2. Maximizing Coverage: Michigan's legal environment may necessitate specific types of coverage that go beyond standard policies. By regularly reviewing insurance policies, individuals and businesses can identify gaps in coverage and explore additional options to safeguard their assets and interests.


3. Mitigating Risks: Michigan's diverse landscape, ranging from bustling urban areas to serene rural settings, presents a wide array of risks. Whether it's protecting against property damage from severe weather or liability issues in a business setting, reviewing insurance policies allows for proactive risk management tailored to Michigan's unique challenges.


4. Understanding Rights and Obligations: Insurance policies are legally binding contracts, and understanding rights and obligations is essential. Reviewing policies helps clarify coverage limits, claims procedures, and any potential exclusions, empowering policyholders to make informed decisions in the event of a claim or dispute.


5. Adapting to Changes: Life in Michigan is dynamic, with evolving personal and business circumstances. Whether it's purchasing a new vehicle, expanding a business, or renovating a home, reviewing insurance policies enables individuals and organizations to adapt their coverage to reflect changes accurately.

An insured must review his or her insurance policy at least annually

If your insurance company has denied, delayed, or underpaid your insurance claim, contact Law Office of Rabih Hamawi for a case evaluation at (248) 905-1133 or

Who is Rabih Hamawi?

Attorney Rabih Hamawi

Attorney & Counselor

Rabih Hamawi is a principal at the Law Office of Rabih Hamawi, P.C. and focuses his practice on representing policyholders in fire, property damage, and insurance-coverage disputes against insurance companies and in errors-and-omissions cases against insurance agents. He may be reached at (248) 905-1133.

Disclaimer: This post is for informational purposes only. It does not create an attorney-client relationship, and isn't intended and should not be construed as the providing of legal advice.



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