In Michigan, it’s common for people to remove coverage from vehicles they aren’t using-especially in the winter. They’ll keep only comprehensive coverage (to protect against things like theft, vandalism, and weather...

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You know the sinking feeling that comes after a fender bender-right after you say, “I’m okay,” your next thought is usually, “Ugh, that deductible...” But what if that deductible was actually less than you expected? If...

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Let’s face it-accidents happen. Whether you spaced out at a red light or got a little too confident during a Michigan snowstorm, even careful drivers can have a slip-up behind the wheel. The good news? If you’re insured...

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One of the significant changes brought by Michigan's no-fault reform is the option for drivers to select different medical benefit levels under their Personal Injury Protection (PIP) coverage. These choices can have...

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Should you have an umbrella policy? Yes. Now, more than ever, having an umbrella policy is critically important. But what is an umbrella policy? A personal umbrella policy is an additional liability policy that provides...

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Imagine this: You’re involved in an accident, and your car needs repairs. How will you get to work, pick up your kids, or run daily errands while your vehicle is in the shop? If you don’t have rental car coverage on...

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While the federal government and firefighting associations don’t collect data on the number of electric vehicle (EV) fires, there’s one thing all industry specialists seem to agree on: When an EV catches fire, it’s much...

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If understanding your auto insurance policy is challenging, you’re not alone. Insurance is a contract, so it has a lot of legal language. But don’t let that scare you. Once you know where to find the information, you...

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Sticker shock and revolving risk are the new normal. Extreme weather, cyberattacks, supply chain interruptions, worker shortages, wars and inflation keep hammering the insurance market. It’s like the classic “I Love...

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About 8% of car owners say they have delayed routine maintenance, according to Automotive Market Research. Unsurprisingly, the top reasons were not having enough time (33%) and not having enough money (30%). But...

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Entering adulthood brings new responsibilities, and managing insurance is one of the most important. Yet, insurance can often feel overwhelming or even unnecessary-until something goes wrong. At Rathbun Insurance, we...

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It’s a situation many parents find themselves in: your adult child is back home for a month or borrowing your car while waiting to buy their own. Naturally, you hand over the keys and think little of it. But then a...

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At Rathbun Insurance, we believe in ensuring that everyone in our community has access to essential services, including auto insurance. Navigating the system can be challenging, especially for undocumented individuals...

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At Rathbun Insurance, we believe in providing the entire community with access to reliable information on insurance. A key part of our mission is to serve populations who may face barriers in accessing the resources...

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Driving in Michigan as an international driver requires understanding the rules and regulations around auto insurance. Whether you're a student, temporary worker, or visiting for an extended stay, getting properly...

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Driving in Michigan as an international driver requires understanding the rules and regulations around auto insurance. Whether you're a student, temporary worker, or visiting for an extended stay, getting properly...

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At Rathbun Insurance, we are constantly looking for ways to better serve our community and make our services more accessible to everyone. We are thrilled to announce that we are now on WeChat, one of the most popular...

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Just because your recreational vehicle (RV) travels the same roads as cars doesn’t mean you should share the same insurance coverage. At a minimum, every state requires the same amount of liability coverage for an RV as...

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National Insurance Awareness Day is June 28. It’s a good reminder to schedule an insurance coverage review to identify liability gaps before you have a claim. Why are coverage reviews so important? - Adopting a same-as-...

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Do you consider yourself a safe driver with good car insurance? You take all the necessary safety precautions and have maintained a clean driving record for years. Regardless of your efforts, your financial health and...

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Living in Michigan, we understand the importance of having comprehensive auto insurance coverage, especially in unforeseen circumstances. As a no-fault insurance state, Michigan's laws can sometimes present unique...

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Most people don’t have much spare time, especially to renew their auto, home, condo or renters insurance. That’s what makes automatic policy renewals so convenient. Setting up automatic renewals of your auto, home or...

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Imagine driving your daily route, minding your own business. A truck suddenly hits you from behind, totals your car, and leaves you with medical issues and lost wages. Car accidents can be incredibly upsetting and often...

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You may have home insurance, and auto insurance, but is your motorhome properly covered? Let's make sure you have the right protections in place before you set off on that epic road trip. Liability insurance? It’s the...

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You just bought a brand-new car and couldn’t be happier. But then someone flies through a red light and totals it! Few things are more upsetting than learning you owe money for a vehicle that was wrecked or stolen...

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Drivers are required to carry personal liability auto insurance in Michigan. This covers your financial responsibility if you injure someone or damage their property while operating your vehicle. But what if the...

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Did you know that if you’re driving and talking on your mobile device, you are over four times more likely to be involved in an accident? Let’s look at what constitutes distracted driving, what the consequences are and...

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At Rathbun Insurance, we understand that life can throw unexpected curveballs, and sometimes your vehicle may end up out of commission. Whether it's due to mechanical issues, repairs, or any other reason that renders...

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At Rathbun Insurance, we believe in more than just providing insurance coverage; we are dedicated to empowering individuals with knowledge to make informed decisions about their insurance needs. That's why we're excited...

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Adding an inexperienced or new driver to your insurance policy can be a daunting task for any guardian. The concerns about safety, potential accidents, and the impact on premiums can be overwhelming. However, Rathbun...

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In the dynamic landscape of the insurance industry, we currently find ourselves amidst what experts term a "hard market." This phase challenges insurance companies to reevaluate their strategies in the face of mounting...

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Looking to change your auto insurance, cover your home for damage or get liability insurance? An independent insurance agent can help you with all of these needs. What makes independent agents different from “captive”...

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Driving in snow and ice requires quick reflexes, patience and know-how. If you can’t avoid driving in wintry conditions, make sure you and your vehicle are ready for the challenge. Also, try to time your trip so you...

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The trucking and freight industry is crucial to the economy, transporting goods from coast to coast. But a lot of liability is riding on your trucking and freight operation. Thieves stole over $31.1 million in shipments...

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In the realm of financial planning, insurance serves as a safety net that shields individuals, families, and business from unexpected and potentially devastating losses. Whether it’s health, life, auto, liability, or...

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Insurance is an essential aspect of financial planning and risk management. It provides a safety net that helps individuals and businesses safeguard themselves against unforeseen events and unexpected expenses. However,...

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We live in an app-enabled world. You can order groceries, hire a dog walker and book a vacation without leaving your home or speaking to a real person. It makes sense to think insurance is something you can do online,...

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In the ever-evolving landscape of the insurance industry, we find ourselves in the midst of what experts refer to as a "hard market." This term is indicative of a phase where insurance companies face increasing...

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At Rathbun Insurance, we understand that traversing the world of insurance can be complex and overwhelming. In this blog, we'll shed light on the crucial difference between underwriting decisions and coverage decisions....

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Life happens. The car breaks down, the kids get sick, an appliance fails. When the insurance bill arrives, you have every intention of paying it, but somehow you forget. The next thing you know, a cancellation notice...

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September is National Preparedness Month, and it's the perfect time to ensure you're ready for unexpected disasters. The Michigan Department of Insurance and Financial Services (DIFS) is emphasizing the importance of...

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Driving while intoxicated or under the influence of drugs is deadly and expensive. Yet it continues to happen every day across the United States. Sadly, alcohol-impaired crashes alone claim more than 10,000 lives per...

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You know how expensive auto insurance can be, especially if you have multiple family members on your policy. And insurance companies understand how important it is to make auto insurance more affordable. As a result,...

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Today, we bring you an important update regarding the 2019 No-Fault law in Michigan. The long-awaited decision from the Michigan Supreme Court has been released, and it directly impacts the reimbursement limits for...

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As your trusted independent agency in Lansing, MI, we are committed to ensuring your safety and protecting your property. With a severe thunderstorm watch in effect, there is a possibility of a hail storm heading our...

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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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