Wednesday, April 26, 2023
When purchasing insurance, you may have noticed that insurance agents ask a lot of questions. This can often seem like an intrusive and time-consuming process, but it is actually a necessary part of the insurance...
Friday, April 21, 2023
As you navigate the world of insurance, you may encounter different types of agents. Two common types are independent agents and exclusive or captive agents. While both types of agents can provide you with insurance...
Friday, April 21, 2023
As a young adult, you may not be thinking about purchasing insurance, let alone an umbrella insurance policy. However, it's important to understand that accidents and unexpected events can happen at any time and it's...
Friday, April 21, 2023
As a young adult, you might not think much about the potential costs associated with a car accident. However, the reality is that accidents can happen to anyone, regardless of age or driving experience. In Michigan,...
Wednesday, April 12, 2023
As online shopping has become increasingly popular, the demand for delivery drivers has risen. Many people have taken on this role to earn extra income or even as a full-time job. However, what many people don't realize...
Monday, February 13, 2023
If you received your home or auto insurance renewal and are wondering why your premium has increased yet you’ve had zero claims - you’re not alone! From gas, to groceries, to insurance, prices are going up as the U.S....
Thursday, October 13, 2022
It’s no secret that Michigan drivers pay some of the highest insurance premiums throughout the nation. However, in doing so, some Michigan drivers are afforded unlimited and lifetime medical benefits from the Michigan...
Sunday, September 4, 2022
When we are in the process of putting insurance proposals together, we tend to ask quite a few questions. By far, one of the most important is “Where do you reside?” Michigan has some of the most generous medical...
Tuesday, August 30, 2022
Whether you’ve lived in Michigan your entire life or are new to our state, everyone knows auto insurance here is expensive. Michigan is the only state in the country in which you have the option of purchasing unlimited...
Tuesday, May 31, 2022
As trusted insurance advisors, we are commonly faced with the question “What do I need to protect myself from?” When referring to automobile insurance, the reality is who you insure yourself against is equally important...
Monday, March 28, 2022
As we reported back in December, Governor Gretchen Whitmer and the Department of Insurance and Financial Services announced that the Michigan Catastrophic Claims Association (MCCA) would be returning surplus funds to...
Tuesday, January 25, 2022
A mini tort claim is like a small civil suit that you file against an at-fault driver. It is important to note that a mini tort claim is filed with the other drivers insurance company. We as your agent can provide you...
Wednesday, December 22, 2021
For the parent of a young adult who is ready to declare independence – and make the move out of the family home - times are particularly trying. We are left shaken from the economic fallout of the pandemic, fearful of...
Tuesday, December 7, 2021
Governor Gretchen Whitmer and the Department of Insurance and Financial Services has announced that the Michigan Catastophic Claims Association (MCCA) will be returning surplus funds and will begin the process of...
Wednesday, August 18, 2021
We see new things everyday in the insurance world. And we've had quite a few questions lately about car subscription services and the accompanying insurance. Many car dealers are now offering car subscription services....
Thursday, March 18, 2021
Within the last few months, we have had a rash of claims related to the theft of catalytic converters. Especially in downtown Lansing, these incidents appear to be getting more and more common. But why are they getting...
Wednesday, August 19, 2020
For sixty four years, we have been proud to partner with the best insurance carriers that offer broad coverage and competitive pricing. We are very excited to announce that we have added Pioneer State Mutual to our...
Wednesday, July 22, 2020
With access to just about all the information you need online to make purchasing decisions, do you really need an insurance agent anymore? The thought of interacting in person with a local agent seems like an obsolete...
Tuesday, May 12, 2020
One of the major changes that no-fault reform is bringing to the auto insurance landscape is the option to select different medical benefit levels. Drivers will have choices moving forward in their Personal Injury...
Monday, April 27, 2020
The term “order of priority” (OOP) refers to the set of rules that outline which no-fault insurer or entity has primary responsibility for payment of personal injury protection (PIP) benefits arising out of a motor...
Monday, April 13, 2020
We have had several questions the last few weeks on how to reduce premiums during the mandatory stay-at-home order for both businesses and individuals. Most all carriers are making accommodations if you call their...
Friday, February 21, 2020
One of the major changes that no-fault reform is bringing to the auto insurance landscape is the option to select different medical benefit levels. Drivers will have choices moving forward in their Personal Injury...
Friday, February 14, 2020
The term “order of priority” (OOP) refers to the set of rules that outline which no-fault insurer or entity has primary responsibility for payment of personal injury protection (PIP) benefits arising out of a motor...
Tuesday, December 17, 2019
As a result of recent no-fault legislation, beginning July 1, 2020, there will be the option of selecting from several different options in regards to the medical coverage carried on your auto insurance policy. The...
Friday, September 20, 2019
A mini tort claim is like a small civil suit that you file against an at-fault driver. As a courtesy to our customers, The Rathbun Agency files mini tort claims with other insurance carriers. At this time, the maximum...
Tuesday, August 13, 2019
While there are several implementation dates that affect the recent no-fault reform law, the vast majority of provisions do not take effect until July 1st, 2020. However, there are certain provisions that took an...
Friday, July 12, 2019
Yes. But what is an umbrella policy? A personal umbrella policy is an additional liability policy that provides coverage beyond the limits of your primary personal insurance policies. Typically, the umbrella is...
Monday, June 10, 2019
Originally posted in Lansing State Journal: Last Wednesday morning, Gov. Gretchen Whitmer signed an auto insurance reform bill that drastically changes the landscape of the Michigan insurance industry. The new law will...
Friday, April 12, 2019
In order to legally drive your vehicle, The State of Michigan requires that you carry casualty or liability insurance. This provides coverage for damage done by YOU to some other party for which you are legally liable....
Monday, January 21, 2019
When on vacation, the nice salesperson at the rental car company counter is going to offer you their insurance coverage. Do you really need everything they're offering? It depends. The four coverages that the rental car...
Wednesday, December 12, 2018
Fair or foul weather driving always presents hazards. Driving conditions in winter months are far different than those faced by drivers during our Michigan summers. 1. Be able to see and be seen. Clean all the snow and...