Thursday, July 12, 2018I 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 >>
Tuesday, May 15, 2018In 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 >>
Wednesday, April 18, 2018It'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 >>
Friday, February 23, 2018More 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 >>
Friday, December 22, 2017All 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 >>
Wednesday, December 6, 2017The 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 >>
Monday, October 30, 2017United 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 >>
Friday, October 13, 2017The 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 >>
Sunday, September 17, 2017In 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 A or AE zone, now what? First the reason you may be recently mapped into a flood zone is all the new building upstream or downstream of your homes location. READ MORE >>
Monday, August 14, 2017A 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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