Archive for September, 2011

The OEM Dilemma, pt 1

This week Tom and Matt once again attempt to discuss the dilemma regarding original equipment manufacturer parts vs. “aftermarket” parts.  They also took calls from listeners:

Cal wanted to know about how to insure a vehicle he owns that his son (who was recently married) will have at his new residence. We recommended adding the son’s wife to the dad’s insurance policy and changing the garaging address to the son’s address.

Don was confused by the advice given to Cal. To clarify – if the vehicle the son drives is titled & registered to the father, the father is responsible for the insurance. If the son is staying local (he is), the insurance company should have no problem rating the son & his wife as drivers on the parents policy using the son’s address for rating. If the son is out of state – there is a problem & we would suggest sitting down with a hometown insurance agent to discuss the implications.  Visit us at

You can listen to the podcast HERE

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We’re Back!

This week Tom And Matt tried to discuss Original Equipment Manufacturer repair parts versus “after market” repair parts, but instead they fielded listener questions. Listen, be educated and visit them at

Listen to the podcast HERE


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Ineligible Risks, Pt 1 & 2

We’ll be off the air for the next 2 weeks, be sure to check back on September 14th when we look into the vast insurance knowledge-sphere and share what we come up with!

In the meantime, Tom & Matt share in a discussion on what an insurance company will and won’t insure in the state of Michigan according to guidelines they have on file with OFIS (the Office of Financial & Insurance Services). Yes, insurance companies can refuse to write a policy for you even though we live in an “essential insurance” state. Visit us online for more information,


Listen to part one HERE

Listen to part two HERE

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