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Flanigan Insurance Agency Inc Blog: car insurance

View the latest blog posts from Flanigan Insurance Agency Inc.

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 >>

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 >>

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 >>

More 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 >>

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 >>

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