Missouri Auto Insurance

Missouri Auto Insurance questions and answers

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Q: I was in an auto accident and now have medical bills. My health insurance paid them but doesn't the auto pay?
I have copies of explanation of benefits where my health insurance paid my medical bills from an auto accident. I live in the state of Missouri. Doesn't the auto insurance company still suppose to pay you the full amount of the bills?

A: The health insurance company can "go after" your auto insurance company for reimbursement of any bills that they paid, if you purchased PIP or Medical payments coverage, up to your auto policy limit. YOU can't collect under both policies. Collecting under your HEALTH insurance automatically assigns them the right of "subrogation" - going after the other policy (either yours or the guy that caused the accident) for reimbursement.

Q: How do I start to sell auto insurance?
I want to become an insurance agent and I can't find anywhere how to get licensed. I'm in Missouri if that helps. I need to know everything from start to finish.

A: The above answer is incorrect. You do not need to have a company sponsor you to get a P & C license. Go to your state's department of insurance website for information on how to get licensed. However, oftentimes if you talk with the company first they may offer assistance. After you get your license you have several options. You can try to get appointed with an insurance company. If you're able they will train you on their policies and may offer assistance. You can also work with an established agent as a producer. This way you can get your feet wet and see if you like it and may be successful without having to put out too much money. You should be aware that 95% wash out in the first year.

Q: Does anyone know anything about non owners insurance for the state of Missouri?
I need auto insurance

A: It only covers you, when you use a vehicle not owned by you, or any of your household members; and the vehicle must not be available to you for regular use. Agents don't like to sell this, for two reasons: 1. it's a pain to write, as pretty much you have to go through the state auto fund of whatever state you're in, and you don't make nearly enough money to cover your costs in writing it and 2. most of the time, people are buying it for the wrong reasons, thinking that it's going to get them out of paying more money to insure them the right way - in other words, claims get DENIED, because people are driving regular use or household member vehicles without being listed. In any case, you'll have to talk to a local agent about this. Don't try "do it yourself" insurance. If you're not an agent, you're probably misunderstanding something.

Q: Will auto insurance cover the cost of my windshield?
My aunt told me that auto insurance would replace windshields at no cost because of a law pertaining to Missouri road conditions. I questioned this, but she says that before she knew better, she also paid for a new windshield, but after she learned of this, her insurance replaced hers at no cost, regardless of what the deductable is. I attempted to research this using search engines, but have not had luck. Does anyone know what my Aunt is referring to? or could you direct me to website that might tell more about this? My Aunt has said to just call the insurance to tell them that I can get it replaced at no cost because of the Missouri road conditions. But I would like to view some information regarding this before I call them.

A: Check with the glass company who will replace it, telling them which insurance you have. I live in NC where many Glass companies, such as Glass Pros, wave deductibles up to $100. This may be what your aunt is referring to. I would also ask her where she got hers replaced, which may save you some time finding the one that waves the deductible.

Q: what company offers the lowest cost homeowners insurance?
i'm talkin bout that 400 or 500 dollars a year. i know the coverage will suck or whatever high deductable too but it is what it is. i live in missouri the house is a brick house from 1890 it's 700 square feet. least coverage, lowest payments......do you know who has it? my auto insurance is through progressive imma call them but who else do you recomend? please and thank you

A: It always depends on the state. Use the link below to see the options for your county. Also go to the market share link below pick: homeowners, premium volume, groups. Choose one of the top companies who has a growing book, they probably have the best price in the state. Any of the top six (other than Zurich) would probably be fine. Specifically look at Shelter and American Family. If you can build up tenure with State Farm they will eventually have the cheapest prices but only after you've been with them for like 10 years. Also if you're really bold ask about what's called a Dwelling policy. This is a bare bones policy that's not really designed for people's primary home because it doesn't have liability coverage and other nice homeowners coverages. Also HO-8 form might be cheaper too since your place is so old. Make sure the limit is the market value not replacement cost and get yourself a deductible and you should be fine.

Q: I had an auto accident outside my home state. Which State's law would be applied (Missouri or Oklahoma)?
I live in Missouri and the accident was in Oklahoma. I have Allstate insurance. Missouri law applies insurance companies to deduct the cost of air bags from the estimate to determine whether the car is totaled. My 2006 civic's side airbags deployed, the rear passenger wheel sheared off, the front and rear bumpers are off the car and the is damage to the passenger side of the car. It appears as though the frame may be bent (according tothe towing company) but I am not sure. Bottom line is that I do not want a car with this damage repaired. I live in Missouri and the accident was in Oklahoma. I have Allstate insurance. Missouri law applies insurance companies to deduct the cost of air bags from the estimate to determine whether the car is totaled. My 2006 civic's side airbags deployed, the rear passenger wheel sheared off, the front and rear bumpers are off the car and the is damage to the passenger side of the car. It appears as though the frame may be bent (according tothe towing company) but I am not sure. Bottom line is that I do not want a car with this damage repaired. The accident was a single car accident (mine only).

A: Liability claims - the laws of the state where the accident occurred would apply. Claims involving your contractual coverage, collision, comprehensive, uninsured motorist - the laws of the state where the policy was written. In your situation, Missouri law would apply. If the damage to your vehicle exceeds 75% of the Actual Cash Value, the insurance company will total your vehicle.

Q: Need input on auto liability insurance only?
Hi, I have found that getting quotes on line for full coverage has left me hounded with unwanted email and phone calls. This time I want to get liability alone for a old (1990) vehicle that I have no concern about replacing if I should have an accident. My question is: Can you give me a ballpark figure of what I may have to pay or perhaps an insurance provider that you may believe has the best rates? My local agents hound me to take full coverage. NOT WANTED!!!!! I gave very little money for this vehicle and will not be using very much at all. Thanks for your input. Missouri vehicle in small town.

A: Call Safe Auto- They are all about the minimum coverage requirements- I have a friend that uses them and he loves them.

Q: What can I do if a auto body shop does bad work?
I was involved in a accident about 2 years ago. I took my car to a body shop for the repair. Once I took delivery of my car I told them the repair was incorrect. I brought it back and they repaired it again. I asked them to remove the over spray from the previous repair. Not only did they not remove it they added more over spray. Now 1 year latter the repair is bleading through the paint and looks horrible. I don't want to deal with them anymore. My insurance said they can't do anything because the claim is between me and the other insurance company. Anyone have any ideas on what I should do. I live in Missouri.

A: What you should do is give them Bad Advertising. Have some signs made up for your car, there are magnetic ones, or you can tape some on the side, to highlight the damage, and print the name of the Bodyshop on it with their phone number. You can then drive by their shop slowly several times a week, slowly, if there are customers, and just drive around in general. It won't help you with your repairs, but it will give you some personal satisfaction, and spread the word they don't do good work. There are many disreputable or poor-quality body shops out there, and there's not much you can do about their work, especially if it takes a year or more to reveal the poor quality. All you can do is take a personal stand to educate others, and give them bad press, and hope it makes a difference in THEIR wallet one day.

Q: getting what i deserver from auto accident?
I was hit a week ago in my car which i have only had for 4 months. I paid 15400 then for the car and the person who hit me insurance is offering 11400 for car, it was toteled. THey say they just pay the blue book value. I live in missouri and i was wondering if they are just saying that to get off paying what i deserve or if that is the way things are done. ANY info would be greatly appriciated. Thanks

A: Sorry, that is the way insurance works. They owe you the current worth of the car. Not the pay off price. Not the replacement price. Yes, that is the way it's done, if it costs more to fix the car than to total it, they will give you the value, adjusted for condition, at the time of loss. Once they pay you, the vehicle becomes theirs and they will take it off to sell parts off it in an attempt to recover some of their losses. If you want to keep it for whatever reason, they will sell it back to you, but that will reduce your settlement considerably. I wish you well.

Q: Are the Democrats now the Party of Phoney Poster People?
Bogus Poster Can Granny... With some helpful union prompting, the 79-year-old widow stood up last week at a Gore town meeting in Iowa to explain how she walks the highway, picking up cans so she can afford to pay for food since she has to pay $250 a month for her prescriptions. CNSNews.com Executive Editor Scott Hogenson took the initiative to call Mrs. Skinner. He found the opposite of a desperate woman itching for a new entitlement. She made it clear she's not interested in federal assistance. "No, no, I don't want the taxpayers to pay for my medicine," Skinner told Hogenson. "I'm a proud person and I want to earn it and I want to do it on my own. I don't accept charity and I don't get food stamps. I qualify, but I don't get them because I don't want the taxpayers to support me." Skinner’s children are financially comfortable, but she won’t accept any help from them. More to the (political) point, The Washington Post noticed Mrs. Skinner was encouraged to attend the Gore meeting by her colleagues in the United Auto Workers union. Bogus (and convicted) Poster Mom... Democratic poster child Jennifer Bush with her mother Kathy who served time fo welfare fraud. In 1996, Hillary Clinton propped up young Jennifer Bush, a seven-year-old with mystery ailments whose mother coached her to lobby for universal health care Jennifer was trotted out to present the Clintons a lucky silver dollar “to bring you good luck so everyone can have good insurance.” Jennifer’s mother was later convicted of aggravated child abuse and welfare fraud for misrepresenting $60,000 in assets on Medicaid forms Bogus dead people... This (embryonic) stem cell ad with children did not honestly represent the issue and said that the Republican opposed all stem cell research. This was not true. It was just embryonic stem cell research, killing embryos, that the Congressman opposed. Bogus Soldier Stories... VoteVets.org soldier Josh Lansdale made bogus charges against the state of Missouri and made up bogus stories about his combat experience in Iraq. He starred in Claire McCaskill ads. Bogus Kerry story... Mary Ann Knowles did not have to work through her chemotherapy to keep her health insurance. John Kerry said she did. Bogus poor?... Graeme Frost, a child who suffered injuries in a car accident, was the prop the week for democratic leaders Reid and Pelosi to use in their SCHIP's Campaign to expand the federal government. The Frost family turned out to be not so poor.

A: I love the responses so far. One claiming the news service is not reliable, ignoring the facts of what they found. Another claiming you're picking on the poor 12 year old who was in a coma, ignoring the fact that he was nothing but a dupe for the Democrats and that he qualified when he was injured and qualified even with proposed changes, regardless of the fact his parents had the means to pay for private insurance. You forgot poor Micheal J. Fox...you know the guy, the one who said in his book that he would purposely skip his medicine so he shook more when addressing Congress, yet was a big victim when big bad Rushie said something about it. Liberals trot out "victims" all the time, it gets kind of old.

Q: Car Rentals vs Car Ownership?
I live in Missouri near one of the larger cities, about 10 miles from the city. I am tired of driving, paying the cost of insurance, maintenance, and of course $gas$ so I was thinking since I am middle age at home alone and do not need car everyday. Would it be cheaper to RENT an auto say maybe 1 a week. And would I need to have insurance of some sort? Any ideas? I just need to get to the city oh maybe at most 1 a week and I would save lots. Going to city grabbing a meal out, buying stuff I do not need, would really seem to help my budget. Does this sound feasible or dumb? Let me know what else I need to consider. Any ideas, tips are helpful. Thank You in advance to all who reply. Isn't a lease about the same as ownership as you have to carry full insurance, maintain the car,etc.?

A: Check on a lease, take someone with you to understand terms correctly. *mamatx

Q: Filing a Small Claims lawsuit - but who is/are the defendant(s)?
My son was involved in an auto accident in August. The other driver was driving a company vehicle. The small business he works for is in Illinois and the collision took place in Missouri, where we live. According to my son and an unbiased witness, the other driver was clearly at fault. They did not call the police and after they exchanged insurance information the guy gave my son his business card and said to get an estimate and give him a call. It sounded to me like the guy knew he screwed up and there wouldn't be a problem but I should have known better. I was never able to reach him at work so I called the broker their company uses and finally got in touch with someone from their insurance company (which I think is based in Ohio) and filed a claim. Apparently the other driver changed his mind by the time he gave a statement to his insurance company and now his insurance company is refusing to pay the $2400 to fix our car. They decided that they don't think their client was at fault. When I last spoke to the other guy's insurance company I told them that I was going to file a lawsuit and they told me to go ahead and do that. We carry only liability so my insurance company won't pay anything - but they did agree to record a statement from the unbiased witness for me and are in the process of transcribing and mailing that to me. FINALLY, MY QUESTIONS ! I have the forms from the small claims court but I don't know who to name as the defendant(s). Do I name the business who owns the vehicle, the driver himself, or the insurance company ? Also, since me and my husband are named on the title of the car my son was driving who is/are the plaintiff(s) ? Can I file this petition myself by telling what he and the witness said happened or does my son have to fill it out (he is away at college now) Do I have to name my husband on the form and if I do will he have to be in court and will my son also have to come home from college to be in court ? Thanks in advance, sorry this was so long.

A: It is usually illegal not to report an accident to the police if the damage exceeds a small amount (usually between $200 and $500). They sometimes call this a hit and run. Do you want to risk your son being charged with a hit and run? Who is the uninterested witness? Was it a bystander or was it your son's passenger? If it was your son's passenger or did this witness know your son ahead of time - if so, that person is biased and this will greatly hurt his credibility. If you go to court, the uninterested witness will HAVE to be there to testify. If you file a lawsuit, you have to file it in the county where the accident occurred. You should name the business and the driver (not the insurance company). The plaintiff would be your son (the driver). Your son will have to be there for the trial to testify. The only thing you can testify to is that you are the owner of the vehicle and that your son had permission to drive the vehicle. WIthout a police report, this is a he said/she said case and the court is unlikely to find in your favor. If I were the judge, I would ask myself why your son didn't call the police. I would then thing that it is possible that your son was under the influence and did not want to risk being "caught". If this is the case, then your son could have been legally considered the cause of the accident.