Tuesday, July 18, 2023Auto insurance companies use many, many factors when rating each policy. Yes, not at fault accidents can impact the pricing. They do not impact pricing the same as an at fault accident. Not only do auto companies use factors such as: insurance bureau score, year, make, model of ... READ MORE >>
Thursday, September 24, 2020Insurance companies offer many, many discounts on car insurance. The obvious discounts include good driver and multi-car discounts. Discounts can include unusual items such as Advance quote, this is if a person shops ahead of time for example if call on 9-24 to begin a policy on 10-1. READ MORE >>
Thursday, April 23, 2020During the stay at home orders by various state governors, Missouri, many of insurance companies are offering a refund to their clients. Many companies are offering a 15% discount of two months of auto insurance premiums, due to less driving activity. READ MORE >>
Monday, June 17, 2019It's about time, the Missouri auto liability limit will be increasing slightly from 25/50/10 to 25/50/25 effective 7-1-2019. This means the Property Damage limit will change from $10,000 to $25,000 for any one accident. In other words if a person has a 3 car pile up the new maximum limit paid out will be $25,000 for all damages. READ MORE >>
Sunday, February 17, 2019Property and Casualty mean separate things. Property insurance provides protection against most risks to tangible property from losses like auto collision, fire, flood, earthquake, theft and other perils. Casualty protects for LIABILITY. Auto and Homeowners each provide liability. READ MORE >>
Thursday, December 13, 2018Everyone tries to be good consumer and shop for best price for similar products. What happens in car insurance is some clients want FULL COVERAGE yet they only purchase minimum state liability and uninsured motorist limits(25/50/10 in Missouri) while others realize the importance of PROTECTION and obtain 50/100/50, 100. READ MORE >>
Monday, August 20, 2018First and foremost, consider increasing auto liability limits and perhaps obtaining a $1,000,000 umbrella policy. If an a person causes a serious auto accident, these days a person will be sued. READ MORE >>
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. Medical payments pays for the driver and occupants of the car's medical payments from a car accident. READ MORE >>
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.e. 50/100/50, 100/300/100 or 250/500/250). READ MORE >>
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....if so any awards over the limits will have to come out of YOUR pocket. READ MORE >>
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