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The Rathbun Agency Blog

All You Ever Wanted to Know About Insurance

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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What No-Fault Changes Are Effective Now?

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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Do I Need A Personal Umbrella Policy?

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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Auto Insurance Reform Bill Drastically Changes Landscape of Michigan Insurance

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...

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What is Uninsured and Underinsured Motorists Coverage?

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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Do You Need the Car Rental Insurance if You Already Have Car Insurance?

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...

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Winter Driving Tips

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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