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Home > Blog > Flanigan Insurance Agency Inc Blog: auto insurance
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Flanigan Insurance Agency Inc Blog: auto insurance

View the latest blog posts from Flanigan Insurance Agency Inc.

Thursday, September 24, 2020

Discounts offered by Auto insurance companies

Insurance 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, 2020

Personal Auto Insurance Relief Fund

During 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, 2019

Mo auto liability limit increasing

It'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, 2019

What is Property & Casualty Insurance

Property 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, 2018

Price should not dictate Auto Insurance

Everyone 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, 2018

Optional Auto Insurance Coverages

First 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, 2018

What is difference between Medical Payments and PIP in auto policy

I 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, 2018

Umbrella coverage for Uninsured and Underinsured Motorist

It'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, 2017

Review Auto Insurance Liability Limits

A 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 >>

Friday, May 5, 2017

Rental Car/Loss of Use Coverage for car insurance

If I have a dealer warranty why would I need Rental Car or sometimes called Loss of Use Coverage for my car?   The reason is an extended warranty does not include rental car if car is damaged in an accident or some other claim. READ MORE >>

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