Hastings Mutual has been here to help our policyholders and neighbors for 135 years. These extraordinary times are no different. We’re paying attention to your comments and questions and providing the answers you’re looking for. It seems like the situation is changing every day, and we are working hard to make sure we have the best information for you.
Here’s what we’re doing to help our policyholders during this time.
Hastings Mutual plans to return 15% of the combined March and April 2020 auto premiums to our eligible Personal Auto customers, pending regulatory approval.
All customers will automatically receive this refund. No action is needed by our agents or customers to receive this refund.
Please note that pass-through fees like Michigan’s Catastrophic Claims Association fee are not included in the premium amount used to determine the refund.
We expect to begin distributing checks in late May. Distribution may take up to four weeks.
If you have any questions, please contact your local independent insurance agent or Hastings Mutual at (800) 442-8277 ext. 1572.
All Personal Auto policyholders with premium in March and April 2020 qualify for the refund.
We will begin sending checks to policyholders who are directly billed by Hastings Mutual in late May. Distribution may take up to four weeks. Policyholders who are billed by their agency will need to contact their agency (see question 5 below).
It will be for 15% of your combined March and April 2020 Personal Auto premium. If there is any outstanding premium balance on your billing group, your refund will be used to pay it. Any remaining amount will be sent to you.
If you receive your bill directly from Hastings Mutual, you and your agent will not need to take any action to receive the refund.
Your refund will come from your agency. Please contact your agent with any questions on the status of your refund. We are unable to identify any outstanding premium balance you might have with your agency.
You will receive a letter listing the amount of your refund. Please note that the letter will show the amount of your refund before it is used to pay any outstanding premium balance.
Any amount not used to pay any premium balance due will be sent as a check mailed to the policyholder's address.
Your refund will be sent as a check mailed to the policyholder's address.
Yes, the refund is 15% of combined premium for March and April 2020 including any policy changes during the period.
Yes. All Personal Auto policyholders with premium in March and/or April 2020 will qualify for the refund.
No. Hastings Mutual will not ask for your bank account information before you can receive your refund. Anyone who calls or emails you looking for this information does not represent Hastings Mutual.
Yes. You can learn about the other things we are doing here on our Hastings Mutual Helps page.
You can contact your local independent insurance agent or Hastings Mutual:
Refund Questions: (800) 442-8277 ext. 6061
Billing Questions: (800) 442-8277 ext. 1572
Hastings Mutual suspended cancellations of policies due to nonpayment of premium between March 23, 2020, and May 18, 2020. We are working with individual policyholders who continue to face financial difficulties. If you have any questions, please reach out to your local independent insurance agent.
Hastings Mutual is extending our coverage to auto policyholders with a vehicle being used to deliver food from a restaurant whose normal operations have ceased because of COVID-19. This coverage is normally not part of our personal and commercial auto policies. However, we are temporarily expanding our coverage because of the extraordinary situation. We will continue to monitor this situation and may adjust our extended coverage as needed.
This applies to claims beginning on March 23, 2020, and will continue until the public health emergency order is lifted, in whole or in part, to allow restaurants to resume normal operations.
We are providing this coverage under existing personal auto policies for employees of establishments that provide food when they have no other coverage; are employed by a business that was closed by an emergency order; and are not employed by a transportation network company or other delivery service. This coverage does not stack with any other coverage.
This applies only to policies in force on or after March 17, 2020. It remains in effect until the public health emergency order is lifted, in whole or in part, to permit restaurants to resume normal operations.
Insurance companies must notify bars and restaurants they insure that they have hired and non-owned commercial auto coverage available if establishments do not have it. Hastings Mutual offers this coverage and will provide it to an insured upon request.
We are being cautious when inspecting property as part of a claim. We’re asking for photos and information directly from policyholders when possible and following social distancing guidelines for exterior claims and when our representatives need to be on a site in person.
We are extending the duration of the limit on additional living expenses on our Homeowners policies for policyholders who are unable to return to their homes or cannot complete home repairs because of COVID-19 restrictions
We are extending the duration of vehicle rentals for Personal Auto policyholders who do not have a repair shop available to work on their personal vehicle because of COVID-19 restrictions.
Nearly all of our staff is able to work from home and is in daily communication with one another online. Employees who need to work at our home office follow recommended safety procedures before they enter the building, during the workday, and when they leave for the evening.
All of our employees are still at their jobs. We have not had to furlough or lay off any employee.
Our employees have made contributions to those in need in our hometown of Hastings, Michigan, and in nearby cities and towns. Employee contributions are being donated to the Barry County United Way Fresh Food Initiative.
The Hastings Mutual Insurance Company Charitable Foundation has also made a contribution to the Fresh Food Initiative.