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Flanigan Insurance Agency Inc Blog: missouri

View the latest blog posts from Flanigan Insurance Agency Inc.

This is a reminder to be extremely careful opening up any email attachments.  If you are unsure who the sender is then do not open any attachments or go to any links within the email.  If you run mouse curser over the sender address usually the senders address will appear and you will know if you recognize the sender. READ MORE >>

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 >>

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 >>

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