ARTICLES ABOUT AUTO-INSURANCE

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 substantial consequences in the event of an accident. — As of July 1, 2020, drivers…

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 coverage beyond the limits of your primary personal insurance policies.…

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 your auto insurance policy, you might find yourself scrambling for a solution—and…

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 more difficult to extinguish than traditional vehicle fires. That’s because an…

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 can confidently review and ask questions about your policy. Your insurance agent…

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 Lucy” scene where Lucy works on an assembly line in a candy factory. As the…

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 delaying maintenance can lead to more expensive and time-consuming repairs down the…

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 believe that being informed about your options can help you make smarter choices,…

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 question pops up—what happens if they get into an accident? Is your insurance still…

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 or those with an international driver’s license. To help, we’ve put together a…