Single: Anyone who isn’t currently married and never has been.
Married: A legally recognized union of two people.
Widowed: Anyone who has not remarried after the death of his or her spouse.
Divorced: A previous marriage has been legally terminated.
"}, "driver-info_03":{"title":"What’s the difference?","content":"If this person is the most frequent driver of at least one of your vehicles, you should choose Principal. If not, choose Occasional."}, "driver-info_04":{"title":"What exactly counts as an accident, claim or violation?","content":"Accident: This includes accidents involving other vehicles, regardless of fault—or accidents involving animals, parked or unoccupied vehicles, and other objects, such as street signs or telephone poles.
Claim: Any vehicle damage, such as theft, vandalism, and windshield or weather-related damage that was reported to an insurance carrier.
Violation: A summons or citation issued by law enforcment for violating traffic laws or regulations (other than a parking ticket).
"}, "driver-info_05":{"title":"Wondering which answer to choose?","content":"A new teacher is someone who has a teaching certificate issued within the last five years."}, "driver-info_06":{"title":"Interested in saving a little money?","content":"We’re pleased to offer discounts to members of certain affiliate groups. So, just let us know if this driver qualifies, and we may be able to offer you a better rate. Sounds pretty good, right?"}, "final_01":{"title":"Why are we asking?","content":"To provide you with the most accurate quote possible, we need to know who drives each of your vehicles the majority of the time."}, "last-step_01":{"title":"Why do we need to know?","content":"Telling us about your current insurance helps us provide you with a more accurate quote and the best coverage to meet your needs."}, "last-step_02":{"title":"Bundle policies and save!","content":"Members can enjoy even bigger savings with our multi-policy discounts. Let us know if you’re interested in learning about homeowners insurance and we’ll have an agent contact you."}, "quote_01":{"title":"Which coverage levels are right for you?","content":"The proposed coverages and limits shown on this screen are recommended specifically for you based on all of the information you’ve given us. However, if you’d like to make any changes to individual coverages, you can do it here—and you can learn a little more about each type of coverage by clicking the question mark icon next to it. "}, "quote_02":{"title":"Bodily Injury Liability Coverage (BIL)","content":"Bodily Injury Coverage protects both you and your assets, if you injure someone in an accident and are determined to be at-fault. Bodily Injury Coverage pays for the value of another person’s injury, up to the elected/purchased policy limits. If your elected/purchased limits are too low, your personal assets may be in jeopardy. That is why we recommend purchasing a higher level of Bodily Injury Coverage. Increasing your Bodily Injury Coverage is surprisingly affordable."}, "quote_03":{"title":"Property Damage Liability Coverage (PDL)","content":"Property Damage Liability pays for damage to another person’s property, should you be at-fault for an accident. This benefit pays for damage, up to the elected/purchased policy limits. This coverage pays for damage to other vehicles outside of the state of Michigan, and travels with you throughout the United States, Canada, and all U.S. Territories. If your elected/purchased limits are too low, your personal assets may be in jeopardy. That is why we recommend purchasing a higher level of Property Damage Liability. Increasing your Property Damage Liability Coverage is surprisingly affordable."}, "quote_04":{"title":"Underinsured Motorist Coverage (UIM)","content":"Underinsured Motorist Coverage bridges the gap between an at-fault driver’s Bodily Injury Liability limits, and the actual value of your accident-related injuries. If your Underinsured Motorist Coverage limits exceed the at-fault driver’s Bodily Injury Limits, you may be entitled to collect this benefit, if you are injured in an accident. The at-fault party must be negligent in causing your injuries, and must carry Bodily Injury Limits lower than your Underinsured Motorist Limits for this coverage to apply. This coverage is also subject to the elected/purchased policy limits."}, "quote_05":{"title":"Uninsured Motorist Coverage (UM)","content":"Uninsured Motorist Coverage pays for injuries to you, or an insured person, that are the result of an uninsured driver’s negligence. This coverage replaces the Bodily Injury Coverage that would come from another at-fault driver, if they were insured. The at-fault party must be negligent in causing your injuries, and they must be uninsured for this coverage to apply. This coverage is also subject to the elected/purchased policy limits."}, "quote_06":{"title":"Medical Payments (WI Only)","content":"Medical Payments Coverage pays for reasonable and necessary medical and funeral expenses for you, or a named insured that is injured in an auto accident. In addition Medical Payments covers you when you are injured as a passenger in someone else’s vehicle or if you’re struck by a vehicle while walking or cycling. Even if you have health care coverage Medical Payments can help pay deductibles or kick in when coverage is exceeded. Medical Payments is an optional coverage and you can purchase limits as low as $1,000 and up to $100,000."}, "quote_06a":{"title":"Property Protection Insurance","content":"If you cause damage to another person’s tangible property, your Property Protection Insurance will pay the amount you are legally obligated to pay for. Property types covered under this coverage can include fixed properties such as building structures, fences, mailboxes, and light posts, or properly parked vehicles. Property protection insurance benefits provide for the repair or replacement of the damaged property and the value of loss of use of the damaged property. This coverage only applies to losses occurring in the State of Michigan and is a mandatory coverage in the State."}, "quote_07":{"title":"Comprehensive Coverage","content":"If your vehicle is damaged or stolen and the damage wasn’t caused by a collision with an object other than a bird or an animal, your loss will be covered up to the value of the vehicle, minus your deductible amount. If you have a loan against your vehicle, or if your vehicle is a lease, the lienholder will typically require this coverage."}, "quote_08":{"title":"Collision Coverage Options","content":"With Broad collision coverage, we’ll pay to repair your vehicle whether the accident is your fault or not. Meemic will also waive your deductible if you are not substantially at fault. With Standard collision coverage, we’ll pay to repair your vehicle whether the accident is your fault or not – minus your deductible amount. With Limited collision coverage, we’ll pay for the repairs only if you’re not at fault. If you have a loan against your vehicle or your vehicle is a lease, the lienholder will typically require either Broad or Standard collision coverage."}, "quote_09":{"title":"What is a Collision Deductible?","content":"If this vehicle is damaged in an accident caused by another vehicle or another moving or stationary object, your losses will be covered up to the value of the vehicle or your coverage limit—minus your deductible amount. For example, if the repairs will cost $2,000, and your deductibe is $500, you would only have to pay $500 and we’d cover the rest."}, "quote_10":{"title":"What is Expanded Total Loss coverage? (WI Only)","content":"In the event of a total loss of your car we will pay, less the amount of any applicable deductible, the actual cash value of the same make, model and equipment of your car one model year newer than your car."}, "quote_11":{"title":"Rental Reimbursement","content":"If you can’t drive your car because it was damaged due to a comprehensive or collision loss, Rental Reimbursement will pay the cost for you to rent a replacement vehicle up to the selected limit per day for a period not greater than 30 days. Included with Rental Reimbursement is Travel Expense coverage which provides up to $400 of reimbursement for out of pocket costs you incurred for meals, lodging, and commercial transportation when a loss causes a delay en route (certain restrictions apply)."}, "quote_12":{"title":"Towing Coverage","content":"Even the most reliable car isn’t reliable 100% of the time. Meemic offers a road service expense reimbursement coverage that covers your out of pocket costs in the event you need a tow, a tire change, or delivery of gas or oil, up to the limit of coverage selected."}, "quote_13":{"title":"What is Automatic Payment Plan?","content":"Automatic Payment Plan (APP) is an efficient electronic alternative to paper checks. When you choose Automatic Payment Plan, you authorize Meemic to have your payments transferred to us from your checking or savings account. No checks to write -- your bank will automatically make the payment for you on a predetermined date chosen by you. The desired debit date may differ from your policy effective date.
Meemic -- the company founded by educators to serve educators -- knows your life is busy enough. So why spend time paying bills when you can let someone else do it for you? With Meemic's Automatic Payment Plan there are no checks to write, no chance of a late or missed payment. And there's no fee for our Automatic Payment Plan.
"}, "faq_01":{"title":"What if I’m in the process of moving?","content":"If you’re moving within the next 30 days, use your new address. If you’re moving more than 30 days from now, use your current address and then once you move, contact a Meemic representative to update your policy."}, "faq_02":{"title":"How do I know my personal information is secure?","content":"Your privacy is really important to us – we’ve taken steps to protect any personal information you share with us and we’ll only use it for the purpose of giving you an accurate quote."}, "faq_03":{"title":"What information do I need to request a quote?","content":"We’ll need basic information like your name, occupation and zip code along with a list of vehicles you’ll be insuring and any additional drivers in your household. If you have your current auto policy handy, it’ll help speed up the quote process."}, "faq_04":{"title":"How do I retrieve a saved quote?","content":"If you’ve already started a quote and saved it for later, simply return to the quote homepage and click the link to Continue/Retrieve Quote. You’ll need your quote number to continue."}, "faq_05":{"title":"Can I get an auto quote if I’m already a member?","content":"If you already have auto insurance with Meemic contact your agent or our Meemic Member Specialist for the most accurate changes to your policy, including rates, exclusive coverages and eligible discounts from Meemic."}, "faq_06":{"title":"Can I save my information at any time?","content":"You can save your information at any time, simply click “Save & resume later”. We’ll confirm your email address and send you a link with instructions on how to retrieve your quote."}, "faq_07":{"title":"Can I get a quote for a vehicle I’m thinking about buying?","content":"Yes, if you provide the vehicle specifications (make, model and year) you will get an accurate quote."}, "faq_08":{"title":"How many cars can I include?","content":"You can add up to twenty cars to your quote."}, "faq_09":{"title":"What if I don’t know the model of my car?","content":"Enter the information you know, then click “Save & resume later” to save your quote. Once you have the model of your car, you can access your saved quote online or contact your Meemic respresentative to complete the process."}, "faq_10":{"title":"Should my spouse be listed on my policy?","content":"Yes, your spouse must be listed on the policy, even if insured elsewhere."}, "faq_11":{"title":"Should I list young drivers, even if I don’t let them drive my vehicles?","content":"Yes, you should list all licensed drivers in the household and any college aged children living away at school."}, "faq_12":{"title":"What if a driver has a learner’s permit?","content":"You should list all drivers in the household, even if they only have their learner’s permit."}, "faq_13":{"title":"What type of discounts does Meemic offer?","content":"We offer many auto insurance discounts for new teachers, policies paid-in-full, vehicle safety features as well as discounted rates for the educational community. We also have discounts available if you have other insurance policies, such as Homeowners, Renters or Condo, with us. Discounts vary by state and coverage options. You will see the discounts you qualified for once you complete your quote."}, "faq_14":{"title":"What if I don’t remember the date of an accident or violation?","content":"Estimate the date to the best of your knowledge or call us to complete the process."}, "faq_15":{"title":"Should I include parking tickets?","content":"No, you don’t need to include parking tickets."}, "faq_16":{"title":"What is a primary driver?","content":"The primary driver of a car is the person who drives that car the most. They should be listed first on your quote. "}, "faq_17":{"title":"Is the driver assigned to a specific vehicle still covered if they drive a different vehicle?","content":"Yes, as long as all licensed drivers and vehicles are listed on your policy, they will be covered regardless of the vehicle they are assigned to."}, "faq_18":{"title":"Why do I need to provide current insurance information?","content":"Telling us about your current insurance information helps us provide you with the best coverage to meet your needs and an accurate premium."}, "faq_19":{"title":"Do you offer discounts if I also insure my home or condo with Meemic?","content":"We offer a multi-policy discount if you insure your auto and home with Meemic. Simply answer yes to the question 'Are you interested in learning about homeowner’s insurance from Meemic too?' and an agent will follow up with you. "}, "faq_20":{"title":"Do I need comprehensive and collision coverage?","content":"Your quote will include coverage options and limits depending on the requirements of your state and your desired level of coverage. If you’re unsure of your particular needs or would like to discuss other options, please contact your Meemic representative. "}, "faq_21":{"title":"How do I purchase this policy?","content":"Use the contact information within the “Next Steps” green box to complete your purchase."}, "faq_22":{"title":"What if I have more questions or need help?","content":"We’re here to help! Contact a local Meemic agent or our Member Sales Specialist."}, "faq_23":{"title":"What are my payment options?","content":"Meemic offers many billing options: pay in full, three pay plan, automatic payment plan or pay for your policy by credit card or check. For more information visit our billing options page."}, "privacy":{"title":"Privacy Policy", "content":"Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aliquam interdum pulvinar nibh. Maecenas eget nunc in justo rhoncus aliquam. Phasellus nisl mi, convallis ut, lacinia vel, sodales tempus, ante. Praesent eros. Aenean feugiat fringilla odio. Donec porttitor volutpat elit. Proin metus justo, accumsan vitae, egestas nec, porttitor nec, felis. Nam vel odio a arcu consectetuer fringilla. Vivamus eget arcu eget nisi adipiscing egestas. Donec venenatis pretium sem. Etiam nec sapien. Cras mauris. Maecenas vitae dui quis nisl tincidunt faucibus. Pellentesque fermentum. Nullam pellentesque imperdiet augue. Etiam fermentum, massa sit amet dictum dapibus, tellus ligula pretium quam, ut facilisis arcu nulla vel dui"}, "secure":{"title":"Security", "content":"Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aliquam interdum pulvinar nibh. Maecenas eget nunc in justo rhoncus aliquam. Phasellus nisl mi, convallis ut, lacinia vel, sodales tempus, ante. Praesent eros. Aenean feugiat fringilla odio. Donec porttitor volutpat elit. Proin metus justo, accumsan vitae, egestas nec, porttitor nec, felis. Nam vel odio a arcu consectetuer fringilla. Vivamus eget arcu eget nisi adipiscing egestas. Donec venenatis pretium sem. Etiam nec sapien. Cras mauris. Maecenas vitae dui quis nisl tincidunt faucibus. Pellentesque fermentum. Nullam pellentesque imperdiet augue. Etiam fermentum, massa sit amet dictum dapibus, tellus ligula pretium quam, ut facilisis arcu nulla vel dui"}, "foundation_reg_pwd":{"title":"To create a valid password","content":"Your password should consist of at least 8 characters with at least 1 uppercase letter, 1 lowercase letter and 1 number."}, "foundation_PD":{"title":"Why we need your principal's information","content":"The email address provided here is used solely to provide courtesy notification of any grants that you apply for and of any grants that you may be awarded. Many educational institutions require this type of notification. Email addresses provided here are not used for any other purpose. "}, "foundation_DC":{"title":"Why we need your director of curriculum's information","content":"The email address provided here is used solely to provide courtesy notification of any grants that you apply for and of any grants that you may be awarded. Many educational institutions require this type of notification. Email addresses provided here are not used for any other purpose. "} }