Contact Us 314.727.6000
Navigation

 

  AUTOMOBILE   HOMEOWNERS   LIFE & HEALTH   SPECIALTY  

Share | | RSS Google RSS

Flanigan Insurance Agency Inc Blog: missouri

View the latest blog posts from Flanigan Insurance Agency Inc.

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 >>

In 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 >>

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 >>

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 >>

All 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 never leave the property; however, my guess is the majority of ATV owners take the unit off the insured's premise. READ MORE >>

The 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, the ACA has also punished health people who make more than the subsidy levels. READ MORE >>

United 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.  Short Term policies can fill a void for people between jobs or waiting for other coverage to begin. READ MORE >>

The 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. Charles, Jefferson & Franklin Counties for 2018, so my agency has decided to STOP writing Affordable Care Act policies. READ MORE >>

In 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 AE zone, now what?   First the reason you may be recently mapped into a flood zone is all the new building upstream of your homes location. 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 >>

1 2 Last
Blog Archive


View Mobile Version




 
Our Carriers Our Company Services Contact Us More Help
Safeco
Progressive

Stillwater
Anthem BCBS
United Health One
Home
Who We Are
Customer Service
Get A Quote
Insurance Types
Send A Message
Location
File a Claim
Frequently Asked Questions
GET SOCIAL WITH US Facebook LinkedIn Google+
13422 Clayton Rd., Suite 203 | St Louis, MO 63131 | Ph: 314-727-6000 | Fx: 314-727-6027 Powered by Insurance Website Builder

Make a Payment Refer A Friend Our Partners Get A Quote