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Should I Have an Umbrella Policy?

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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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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Why Are Independent Agents So Important During No-Fault Auto Reform?

After July 1st, No Fault Auto Reform will take effect. This is the first major change in auto insurance benefits since 1972 when the no-fault auto insurance law was enacted in Michigan. A lot of the recent discussion...

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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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2020-2021 MCCA Fee Released

The Michigan Catastrophic Claims Association (MCCA) has just announced that the current per vehicle assessment of $220 will be lowered to $100 per vehicle for the period beginning July 2nd, 2020 through June 30th, 2021....

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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 Do We Know About No-Fault Reform?

A bipartisan agreement has been sent back to the Chambers for a vote after Governor Gretchen Whitmer, Speaker Lee Chatfield, and Senate Majority Leader Mike Shirkey announced they have reached a compromise on reforming...

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