Thursday, July 12, 2018I am answering this in a general kind of way, as Missouri uses Auto Medical Payments not Personal Injury Protection(PIP). Medical payments is an optional coverage in Missouri, the options are typically $1,000, $2000, $5000 or $10,000. READ MORE >>
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Tuesday, May 15, 2018In Missouri, most home insurance companies will only pay to replace an entire roof if there is enough hail evidence to entire roof. It's very possible a home could require and entire new roof while a neighbor only has minimal damage. READ MORE >>
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Wednesday, April 18, 2018It's been a while since reviewed this important coverage. In Missouri, Un and Underinsured Motorist can be added to any auto policy with liability limits OVER the state minimum of 25,000/$50,000/$10,000( i. READ MORE >>
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Friday, February 23, 2018More and more auto insurance companies are offering new and existing policyholders an opportunity to further reduce cost of their auto insurance by inserting a tracking device for set period of time to determine how safe the driver is. READ MORE >>
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Friday, December 22, 2017All Terrain Vehicles(ATV), should have a separate motorcycle policy, rather than rely on homeowner policy to protect a homeowner. Many ATV's are used to service a homeowner's property and nev... READ MORE >>
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Wednesday, December 6, 2017The Affordable Care Act(ACA) has turned out to be a flawed program, the program has helped a number of normally uninsured people obtain coverage and receive a subsidy to reduce the costs; however,&... READ MORE >>
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Monday, October 30, 2017United Health Care offers a number of Short-Term Health Insurance policies. The short term policy is NOT Affordable Care Act(ACA) Health Insurance, at end of the year a short term policy holder will NOT receive a 1095-B form. READ MORE >>
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Friday, October 13, 2017The 2018 Open Enrollment period is shorter this year, it extends from 11-1-2017 to 12-15-2017....that is it. Anthem Blue Cross/Blue Shield has pulled out of St.Louis, St. READ MORE >>
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Sunday, September 17, 2017In all the years you have lived in your home it has never been flooded, now you are told you are recently mapped into a flood zone, typically A or AE zone, now what? READ MORE >>
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Monday, August 14, 2017A client asked me, I carry 50/100/50 liability limits, is that adequate? This is a loaded question, I would say yes it is adequate if a minor accident occurs; however, if a major accident occurs you better hope your policy limits are not exhausted. READ MORE >>
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