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...

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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...

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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...

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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,...

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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...

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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....

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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....

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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....

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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...

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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...

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