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Bauer Insurance Agency Blog: auto insurance

View the latest blog posts from Bauer Insurance Agency.

The quick answer to that question is;" State minimum Auto Liability coverage.."  The best answer is:  1.  All states require that any car being driven on public roads must carry as least minimum liability insurance. READ MORE >>

The term, "No Fault" as it applies to auto insurance is that neither party is at fault in an auto accident. Each person is required to carry an auto insurance policy that will settle their own loss.  Missouri is NOT a no-fault state--it is a "Comparative Negligence" state, which means, each party, in the event of a two car accident, could be held "proportionately" at fault. READ MORE >>

When an auto insurance policy offers Towing and Labor it will specify the amount of the benefit per occurrence.  Usually, $50, $75, or $100 depending on how much you purchase on this benefit. Unlike Rental Reimbursement which activates only if there is an insurable loss, this benefit is there even in the case of mechanical breakdown. READ MORE >>

Your Auto Insurance policy may offer "Rental Reimbursement," sometime called "Extended Transportation Expense."  Generally this benefit is an optional feature that can be added to your auto policy for an addition premium.  Although, some companies offer it as a free benefit to enhance the policy value. READ MORE >>

Auto Insurance Collision coverage is a little less complex that Comprehensive coverage  Collision means "collision.  If your car hits something or something hits your car there is a collision.  If damage to your vehicle results from the "collision,"  this is the area... READ MORE >>

What does Automobile Comprehensive Insurance cover?  For years this layer of Auto Insurance was not clearly named  (the word, "comprehensive," does not communicate very much, does it?)  Then someone decided to call it, "Other than Collision (OTC)  That made a little more sense. READ MORE >>

Just what is auto insurance medical and how does it work?  Auto Insurance Medical is a no fault area of the standard automobile insurance policy that covers doctor bill for anyone who is injured in, on or around the insured vehicle. READ MORE >>

In the simplest terms, Automobile Liability coverage is to cover your financial responsibility if your cause bodily injury or property damage (or both) to someone with your car. Bodily Injury:  If you cause bodily injury to someone with your car, either as a passenger in another vehicle, ... READ MORE >>

When you look are your auto insurance "Declarations" (Dec. page) you see a list of numbers with designations such as "Bodily Injury, Property Damage, Medical, OTC (Other than Collision, etc."  Each of those designations is a different layer or type of insurance. READ MORE >>

First of all, "What is a deductible?"  Basically, it is that part of a loss you are willing to pay. For instance, if your car is damaged in a hail storm, you would pay your "deductible" and the insurance company would pay for the repairs to your car over the deductible and up to the value of the car. READ MORE >>

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