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Flanigan Insurance Agency Inc Blog: auto insurance

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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 >>

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 >>

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 >>

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 >>

Towing or Roadside Assistance coverage, when added to your auto policy, is an inexpensive way to avoid large expense for a towing issue. The insurance companies typically cover dispatching a tow truck for a flat tire, car not starting, run out of gas and lock keys in car. READ MORE >>

An SR-22 is ONE requirement imposed by the Dept of Motor Vehicle/Driver License Bureau in the event of a driver license suspension.  Essentially an SR-22 is a post card size form mailed or electronically sent by an insurance company directly to the Driver License Bureau. READ MORE >>

What else can be added an auto insurance policy?  First and foremost higher auto liability limits are an absolute must.  Medical Payments, Underinsured Motorist,  Roadside/Towing coverage(each company has a limit and maximum number of tows), Rental Car/Loss of Use(provided your c... READ MORE >>

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