Is Meemic Good for Car Insurance?
Last Updated on December 3, 2020
There are many specialty insurance providers that focus on demographics like age groups, associations or clubs, or careers. Meemic Insurance Company was founded by teachers and offers insurance for teachers and other school employees. Meemic Insurance Company has been partnering with teachers for 20 years, providing financial assistance to schools and educators since 1992 and offering a range of car insurance options and discounts for educators. Meemic Insurance is offered to residents in Georgia, Illinois, Michigan, and Wisconsin.
Who Can Get Meemic Car Insurance?
In order to qualify for Meemic car insurance, you need to be a teacher or staff member for a public school, private school, charter school, parochial school, or college and university. You can also be retired from any said schools. Other eligible positions include:
- Teacher’s Aides
- Cafeteria Workers
- Bus Drivers
- School Nurses
- School Secretaries
- Substitute Teachers
- Other School Employees
- College & University Employees (Professors, Deans, etc.)
- Library Employees
- Teaching Hospital with Accredited Medical School Employees
What Coverage Does Meemic Insurance Offer?
The company provides homeowners insurance, car insurance, boat insurance, motorcycle insurance, life insurance, and umbrella coverage. For car insurance, Meemic offers:
Bodily Injury Liability Coverage
Bodily injury liability coverage, often simplified as BIL, will cover the value of the injuries sustained by another person if you are at fault for an accident. BIL pays for medical bills, hospital stays, and rehabilitation costs. With bodily injury liability coverage from Meemic Insurance, you can choose your policy limits starting with the minimum requirement for your state.
Property Damage Liability Coverage
Property damage liability coverage (PDL), works like BIL does, in the sense that it pays for damages you are liable for in an accident. Property damage liability coverage pays for damage to another person’s property. This type of coverage will pay for vehicle repair bills after an accident.
Personal Injury Protection
Bodily injury liability coverage only covers injuries and damage sustained by other drivers in the event that you were found at fault. However, it doesn’t cover injuries or damages you sustained regardless of who is at fault. This is where the personal injury protection (PIP) product comes into play. If you opt for personal injury protection, your insurance policy will cover the cost of medical bills that you sustain.
If you are in an accident and your vehicle sustained damage because of contact with another object or vehicle, or a rollover, this coverage will help pay for the damage to your vehicle regardless of who is at fault.
If your vehicle is damaged by anything other than a collision such as a flood, fire, or theft, comprehensive coverage will help to pay for the damage.
Uninsured or Underinsured Motorist Coverage
If another driver is at fault for a car accident in which you sustained damage to your vehicle or injuries, and the other driver doesn’t have enough insurance to pay for the damages, this type of insurance will help you cover the costs so that they don’t come out of your pocket.
Uninsured Motorist Property Damage
This insurance is a requirement if you live in the state of Illinois. It covers any damage to your car caused by an uninsured driver and is only available if you choose not to purchase collision coverage.
If you live in the state of Michigan, the Michigan auto insurance reform from July 2nd, 2020 provides you with four levels of personal injury protection to handle your medical expenses. The available coverage options include unlimited, $500k, $250k, and eligible Medicaid enrollees with a $50k limit.
Insurance Claims with Meemic
There are many benefits associated with their claims program. When you submit an insurance claim, you can choose pre-approved repair shops and have the loss settled automatically. If you were part of the Educated Choice Repair Program, you don’t have to receive multiple estimates. Go to a listed repair shop for immediate repairs. Some of these shops even give you a discounted or free rental vehicle. The claim payments are sent directly to the shop once everything is fixed, and the repairs are guaranteed for however long you own the car.
Additionally, Meemic Insurance has a special glass damage repair process for cracked windshields. If the damage is 6 inches or smaller they offer a service where glass repairs are completed in less than 45 minutes and conducted directly at your school or home.
What Discounts Does Meemic Offer?
Meemic Insurance not only provides car insurance specifically for educators but they have a range of teacher and educational community benefits and discounts.
Teacher Discounts include:
- Newly certified teacher discount: if you have recently become certified as a teacher you can enjoy an extra discount on your car insurance for the first seven years after your initial teaching certification.
- Paid in full discount: if you pay your entire car insurance premium at once rather than spacing it out over the course of a year, you get a discount on your policy.
- Teachers and educational community discount: some states and coverage options come with additional auto insurance discounts for teachers and educators.
- Multi-policy discount: if you have your car insurance and your home insurance with Meemic you get an additional discount.
- Vehicle anti-theft discount: add extra anti-theft devices to your vehicle and you can receive more discounts.
- Educated Choice repair program discount: when you choose a repair shop from the list of approved institutions you get guaranteed auto repairs and potential discounts. Meemic will also use original equipment manufacturer (OEM) parts to repair your vehicle.
Retired Teacher Benefits Include:
- Savings of up to 35% on your car insurance
- Educational community discounts
- Accident forgiveness
Meemic Insurance Reviews
The Meemic Insurance site lists reviews and testimonials from members. Of the reviews, the site indicates a 95% customer satisfaction rating. For example, a member who joined in 2012 noted:
“I was so impressed with their integrity that my husband and I switched to Meemic Insurance after spending more than 35 years with our former insurance company. The rates were significantly lower and the level of coverage was equal to — and in many cases better — than we had before we made the change to Meemic.”
Similarly, another member who has been with the company since 1999 had this to say:
“Long term customer. Always satisfied, gone very well. We’ve never had another company that has done as well. Friendly, knowledgeable service. Quick with claims.”
These customer reviews come from the official website but other sites like WalletHub paint a slightly less satisfactory picture, with Meemic Insurance customer ratings hovering around 3.3 stars, indicative of the extreme positive and negative posts like the following positive experience:
“My wife and I became members of Meemic Insurance in April of 2019 for the first time. The cost of our insurance for three leased vehicles and our homeowners insurance was reduced by $3300.00 by switching to Meemic. My wife has never had an accident in a moving vehicle but that is what happened in June of 2019. Meemic has been extraordinary in their handling of the claim for the vehicle which was totaled and for the health care bills that resulted from the accident. Every single person that we have spoken to at Meemic has been kind and caring in their approach to resolving our issues revolving around our accident claim. I am 64 years old and have never encountered an insurance company with a level of customer service that comes anything close to what my wife and I have experienced with Meemic.”
And the extreme negative indicated here:
“They will double your insurance price with little to no warning and then tell you that you will have to wait around 2 weeks to get the $600 they took for 1 month of insurance which is absolutely ridiculous. Terrible company and business practices.”
Note: One important delineation between the reviews from the Meemic Insurance site and other sites is that the reviews listed above with a 95% customer satisfaction rating refers specifically to car insurance. By comparison, other review sites like WalletHub combined reviews for every type of insurance product offered by the company.
Therefore, reviews indicate that Meemic is good for car insurance, with very positive reviews all around.
Meemic Auto Insurance Pros and Cons
To recap, let’s go over some of the pros and cons of Meemic’s auto insurance:
|Great rates and discounts for educators||High number of complaints|
|Special repair program that is well-reviewed||Does not reward loyal customers|
|Uses original manufacturer parts for repairs||Only offered in four states: Michigan, Illinois, Wisconsin, and Georgia.|
|High customer satisfaction||Must work in education to qualify|
|Transparent pricing and flexible billing options|
Final Word on Meemic Insurance
If you are a teacher or educator, Meemic Insurance offers quality car insurance in Georgia, Illinois, Michigan, and Wisconsin. Meemic has a range of teacher-based benefits and services you don’t get with other insurance providers like simple glass repairs conducted directly at your school site so as to not interfere with your schedule. If you’d like to learn more about Meemic Insurance, please visit Meemic.com.
|Company Address||1685 N. Opdyke Rd.
Auburn Hills, MI 48326