ARTICLES ABOUT AUTO-INSURANCE

How Do I Protect My Catalytic Converter?

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 stolen? — Catalytic converters are a hot commodity due to the value of the metal…

Rathbun Agency Adds Pioneer State Mutual To Carrier Lineup

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 lineup of carriers. — Founded in 1908, Pioneer has been insuring Michigan for over a…

Do We Really Need Insurance Agents Anymore?

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 way to buy insurance, for some. When looking for insurance, many thoughts can…

Why Should Drivers on Medicare Keep Unlimited Coverage?

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 Protection, or PIP, coverage, that if selected, could have significant consequences…

What Changes are Coming to Order of Priority?

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 vehicle accident. The rules for passengers in motor vehicles for hire are complex…

How Are My Insurance Policies Affected by Coronavirus?

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 billing departments directly. The carrier link in the previous sentence will direct…

Auto No-Fault vs. Medicare - What's Covered?

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 Protection (PIP) coverage, that if selected, could have significant consequences in…

What is Order of Priority?

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 vehicle accident. The rules for passengers in motor vehicles for hire are complex…

What is Qualified Health Coverage?

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 Personal Injury Protection (PIP) allowable expense limit options will include: —…

What is a Mini Tort Claim and How Do I File One?

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 dollar amount that can be recovered as a result of a mini-tort claim is $1,000.…