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INSIDEThe Latest from The Meemic Foundation Meet Internet Star Joe “Mr. D” DombrowskiPartnership to ProtectionYour Meemic AgentJohn and Diane MaceMace Insurance Agency2743 West JeffersonTrenton, MI 48183734-692-1100For office hours visit our websiteMaceInsurance.comDear Member,us eagerly look forward toofyanm,uprmwagsinAs thsaysbuster season. And whatckbloieovmermmsuethrheroesdays than a team of supe“blockbuster ” more thesefighting evil?ing our ownHere at Meemic, we’re formmight haveteam: The Educators. Youcampaignseen our hero nominationentries in,over the winter. With thecing onwe’re finding and announators withsocial media all those educd it’s not justextra special abilities. Anjust about all facetsteachers; the team coversrariansivers to custodians, and libof school life, from bus drhashtag #EducatorsUniteethrfochatWrs.atostrto adminirg to meet the team.and visit EducatorsUnite.ojoinrhero in your school is toOne way you can be a supet andtion’s Together Movemenwith The Meemic Foundall yourd4Change Day 2018. EnroDefeat the Label for Stanaound the world in takingschool to join locations arMay 4.stand against bullying onoes in our eyes, and we’reAll educators are superhereatagent, offering you the grproud to be your “secret”u deserve for all you do toyoicervsedangeravecorates,n’t wear a cape or tights.douyoifenevs,kidrouhelpBest,Tips & news from Meemic and The Foundation, serving the educational community over 65 years Spring 2018

Personal InjuryProtectionExplainedMedical. With Excess Medical, Meemic pays secondary after your health insurance provider. WhetherMeemic pays PIP medical claims as Full or Excess iscontrolled by your health care insurance, as manyplans exclude coverage for automobile accidents.It is important to make sure you have the correctPIP medical coverage based on your health careinsurance coverage. Your Meemic agent can help youdetermine the correct coverage for your situation.Rising PIP premiums and assessmentsMeemic Members in Michigan are affected by risingPIP costs in several ways.When you think of auto insurance, most peoplethink about damage to your vehicle. But whatif you or your passengers are injured?In Michigan, if you are injured in an auto accident,your policy provides unlimited, lifetime medicalbenefits, known as Personal Injury Protection (PIP)coverage. This means your policy covers allreasonable and necessary medical care for yourauto accident related injuries.PIP coverage also provides coverage for wage loss(up to three-year maximum), replacement household services that can no longer be performedand benefits to your survivors. Benefit limits areestablished by the Michigan No-Fault Code.PIP coverage may be coordinated between yourauto policy and a medical or health insurancepolicy, this is what Meemic refers to as ExcessFirst, increasing medical costs are continuing toput pressure on the unlimited medical coveragethat all insurance companies in Michigan provide.Those cost increases lead to rate increases on thePIP premiums. Secondly, rising medical costs alsoresult in increases to the assessment from theMichigan Catastrophic Claims Association (MCCA).This statutory assessment is currently at 186 ayear per vehicle.Finally, the threshold at which PIP losses go to theMCCA increases around 3% every few years. Thethreshold is currently at 555,000, meaning Meemicpays the first 555,000 of a claim before the claimgoes to the MCCA. As this threshold increases overtime, the PIP insurance premiums charged byinsurance companies must also increase.Meemic is committed to providing Members withaffordable insurance for educators. We will continueto look for ways to keep expense costs undercontrol and not pay for inflated or fraudulent claims.We can work together to help keep the cost ofMichigan auto insurance under control.GO PAPERLESS TODAY!Going paperless isn’t just better for the environment —it’s better for you, too!Sign up today in our online Account Center at Member.Meemic.Comto get all your important policy documents online instead. What makes paperless better?Safer: Stolen checks, bills and paper statements accountfor almost 85% of identity theft.*Easier: Access your documents online, anytime, anywhere.Greener: Online delivery means less wasted paper andlower greenhouse gas emissions.Coming Soon Our Meemic app willallow you to view your bill, make apayment, file a claim and more rightfrom your phone or tablet.* Source: PayItGreen.org DISCLAIMER: This newsletter is intended solely to provide brief descriptions of coverage and is not intended to alter anycoverage afforded in the policy. Only your policy and its endorsements, plus applicable deductibles, determine exact coverages and payment of losses.All coverages and discounts described are subject to change, availability, qualifications and certain restrictions. Other terms, limitations and exclusions may apply.MeemicSpring 2018

Join and Share the Meemic Foundation ClubPartnershipHey, Meemic policyholders! If you’re a Member ofThe Meemic Foundation Club, raise your hand. Ifyour hand’s up, great! That means you’re in on theexclusive benefits Club membership brings. If not,don’t worry – you, too, can join the FoundationClub. It’s so simple to join and it’s free!Stand4Change Day ReturnsThe Meemic Foundation’s Together Movementinitiative will again be partnering with Defeatthe Label to continue the fight against bullyingDid you know that as a policyholder, you arealready helping Meemic give back to manyeducational communities? Your continued loyaltyhas allowed us to provide millions of dollars infunding over the past few years for school andclassroom educational needs through our nonprofitorganization, The Meemic Foundation. This yearalone, our goal is to provide up to 650,000 insupport of education.And if you’re already a Club Member, help usspread the word! Friends share good news withfriends, so if you know a friend or colleague whoworks for a school or university who could benefitfrom joining the Foundation Club, please invitethem at MeemicFoundation.org/Refer.Foundation Club Members haveexclusive access to these benefits:Grants: Get exclusive access to year-round grantopportunities, from our traditional grants of up to 500 for a variety of school projects, to specialtygrants in partnershipwith top educationalorganizations likeScholastic and LakeshoreLearning. And applyingis easy!School & Office Supply Discounts: FoundationClub Members get a variety of special discountsfrom national business partners. And if you’realso an employee of an educational institution, youcan enjoy richer discountsand free shipping fromQuill.com.Free Webinars and Workshops: We encourageyou to visit MeemicFoundation.org/Events oftenfor the latest offerings of professional and personaldevelopment workshops. Miss one of our webinars?View them at your leisure as often as you’d like inour Members-only online webinar library!Find out more atMeemicFoundation.org/FoundationClubin school. One of the most visible events isthe annual Stand4Change Day, which returnsFriday, May 4. On that day at 12 noon,thousands of students will literally stand upagainst bullying in classrooms and ralliesaround the world. Register your school atMeemicFoundation.org/Events.Last year, we had the honor of taking part in anevent at Avondale Middle School in RochesterHills, MI, and streamed it live on our Facebookpage (Facebook.com/Meemic). The experiencewas both exciting and heartwarming as a gymfull of students took the pledge.We look forward to another successful yearand encourage you to visit MeemicFoundation.org/Together for a variety of local and nationalresources to combat bullying. Join themovement – let’s be better together.

Join the Conversation! Meemic’s Facebook page has all the latestinformation, from safety and insurance tips to Meemic Foundationgrants and presentations to fun links for educators.You also can find us on Twitter and Instagram. Follow all of ourpages so you don’t miss a thing.Send comments or feedback directly to our agency or toCommunications@Meemic.com. We look forward to hearing from you!Facebook.com/MeemicFollow us @MeemicInstagram.com/Meemicdeaths per day and 1.5 million accidents per yearare caused by drivers who are texting. To avoid thetemptation, consider installing special software todisable the phone while the vehicle is moving.Lost in Thought There are endless things aperson could possibly be thinking about whiledriving. Whether a driver is looking for an address,trying to listen to the radio or daydreaming,accidents caused by general distractions accountfor more than 60 percent of all fatal crashes. It isimportant to stay mentally focused at all times.5 Most DangerousDriving Distractionsto AvoidThe National Safety Council has named AprilDistracted Driving Awareness Month, and recentresearch shows that about 10 percent of peoplewho are in fatal crashes are distracted.Outside Event Almost every person has seena distracting billboard, crash or other eventoutside. Many people crane their necks or slowdown to look. These are dangerous habits, andabout 7 percent of accidents were caused by suchbehaviors. Drivers should always avoid slowingdown for outside distractions.Friends Drivers who were distracted by ortalking to their passenger friends while on the roadaccounted for about 5 percent of fatal crashes.Although it may be tempting to converse withfriends while driving, it is important to stay focusedon the road and surroundings at all times.Statistics show that drivers who are holdingelectronic devices while driving are four timesmore likely to experience a serious accident. Teendrivers are more likely than any other age groupsto be in fatal crashes resulting from distractions.There are several dangerous distractions that everydriver should avoid:Searching for Lost Items People who weresearching for maps, electronic devices or otheritems while driving accounted for about 2 percentof fatal crashes. Drivers should pull over to a safearea and stop before searching for any items in thevehicle.Cell Phones Talking, texting or reading cellphones while driving are all common ways peoplecause accidents. In several states, it is illegal to usea handheld mobile phone while driving. About12 percent of fatal crashes happen as a result ofthis practice. A person who is texting and driving ismore likely to cause an accident than an intoxicateddriver. In addition to this, more than 11 teenAvoiding harmful practices is a good way tonot only stay alive on the road but also to keepinsurance rates lower. To enjoy the lowest possiblerate, drivers need to consistently maintain arecord that is free of negligent accidents. It is alsoimportant to stay vigilant and watch for distracteddrivers in other vehicles on the road. To learnmore, talk to your Meemic agent.