December 4, 2019
AgencyDoes My Insurance Cover Hit & Run Accidents?
As the name implies, hit & run accident is when another vehicle is responsible for the accident, but instead of exchanging insurance information with you, they decide to take off to avoid being responsible and paying for the damage to your car. Unfortunately, hit-and-run accidents are increasing, especially if the fleeing driver does not have […]
November 27, 2019
AgencyIs My Child Insured Under My Auto Insurance?
Many parents are asking themselves if their children are insured on their policy even if they are not listed as drivers on their insurance. Well, it depends. Some states allow insurance companies to exclude household residents of driving age and Missouri is one of them. There are several reasons while people choose to exclude a […]
November 19, 2019
AgencyCar Buying For Teenagers & Insurance
Your teenager has finally gotten their driver license and it’s time to get them their own wheels. Having your child reach this milestone can be exciting but also terrifying, because you know your child will now be behind the wheel on their own for the first time. With their driver license comes the need […]
November 5, 2019
AgencyNeed SR22 Insurance? We Can Help!
Need SR22 insurance? We Can Help! Have you received a letter from the license bureau notifying you that your driver license is about to be suspended? Getting that dreadful letter can cause anxiety, after all, getting caught driving while suspended can have huge fines, points added to your driving record and a possible arrest. […]
September 23, 2019
AgencyWhat Is An Independent Insurance Agency?
An independent insurance agency partners with multiple insurance companies. Unlike captive agencies, they aren’t tied to a single insurer. This independence allows them to offer clients varied coverage options and competitive rates. They navigate complexities, tailor policies to individual needs, and advocate for clients during claims. These agencies play a pivotal role in ensuring clients […]
August 13, 2019
AgencyHow Long Do I Have To Keep the SR22?
How long do I have to keep the SR22? In most cases you are required to keep an SR22 for one year. Depending on number of the violations or suspensions of your license, you may need to keep it for longer. Your license bureau can tell you the details and what is required to reinstate […]
April 25, 2019
AgencyHome and Renters Insurance (Actual Cash Value or Replacement Cost)
Replacement Cost vs Actual Cash Value? There are different options to consider when insuring your house or your belongings. Most common method is replacement cost valuation (RCV) and most home insurers offer this option of coverage. Standard home insurance policies offer RCV coverage for the dwelling and optional for contents of your home. This […]
November 13, 2018
AgencyHow To Avoid Deer Accidents!
While most of us will never be in an accident with a deer, there will be some close calls. Driving on the outskirts of the city or on the highway, one will no doubt encounter a deer crossing the roadway. Deer is most active at dusk and dawn, so that’s the time to be […]
October 29, 2018
AgencyShould I Let A Friend Drive My Car?
What if your friend is asking to borrow your car? It could be just for a few hours or for a few days but few things you need to consider in this case: by borrowing your car to your friend you are also borrowing your insurance. In most States the insurance follows the vehicle, not […]
October 24, 2018
AgencyI’m A Delivery Driver! Which Auto Insurance Is Right For Me?
If you use your personal vehicle to deliver food, newspaper or any other type of delivery, you need to get a commercial auto policy. A personal auto policy has restrictions on vehicle usage and the insurance company can deny coverage if vehicle is used for this type of business. There are exemptions however (i.e. […]