Reader’s Question:

I have an SR22 insurance. I am just wondering of a friend borrows my vehicle will they be covered with my SR22? If for instance my friend does not have car insurance and he borrowed my vehicle, and got into an accident, will he be covered by my SR22? In other words, will my SR22 cover the damages?

Tim

St Louis MO

Automobile insurance typically follows the automobile first and the person operating the car is secondary- meaning in case of an accident, the insurance of the vehicle will pay the cost of the damages due to accident and the insurance of the driver will cover the excess. Most states have Financial Responsibility Law wherein drivers are required to have car insurance. They will get a ticket for driving without insurance if they got pulled over and unable to provide proof of car insurance. If that happens their drivers license will be suspended and will be required to obtain an SR22.

So, an SR22 is just a liability insurance and it will cover the vehicle damaged but not the at fault motorist’s car damages.

If you want to be sure what your SR22 in St Louis Missouri covers, you may contact your car insurance provider to get more information. You may ask them if your uninsured friend will be covered by your SR22 if they drive your vehicle.

Tags: auto insurance, sr22 insurance

Reader’s Question:

I would like to know if my GAP insurance will be applied if my car is stolen? I live in St. Louis, Missouri.

Alfred

St. Louis, MO

Yes, if your physical damage of comprehensive coverage pays out ACV for your stolen automobile then your gap insurance should be in effect to pay the balance of your loan after the actual cash value is paid to your lien holder.

If you did not have comprehensive coverage on the car in St. Louis, Missouri and therefore do not have primary automobile insurance coverage to pay out the actual cash value then normally your gap insurance would not be used.

If for example your automobile was stolen and was later recovered and is going to be fixed by your insurer instead of being found to be a total loss than gap insurance would not pay put either.

You should make a car insurance claim under your comprehensive insurance provider and your gap insurance carrier if your automobile has been stolen and not recovered.

Tags: auto insurance, comprehensive insurance coverage, gap insurance

Reader’s Question:

Does my mother have to add me to her car insurance policy in St. Louis, Missouri before I can drive her vehicle?

Andrew

St. Louis, MO

It actually depend’s on your mother’s car insurance carrier however generally if you live with her then you will need to be added on her car insurance policy in St. Louis, Missouri so you will be properly covered. Insurance carrier require policyholders to list all household members during their application.

So, if you live in a different house or if you do not live with your mother and you occasionally borrow your mother’s vehicle , your mother’s car insurance carrier needs to be informed about this as well. You will probably have to be added to your mother’s car insurance policy as an occasional driver so you will be covered. Again, this depends on the car insurance company.

The best thing to do, since car insurance carrier’s guidelines on occasional driving, is to contact your mother’s car insurance company in St. Louis, Missouri. You may ask the car insurance agent if you will be covered once you drive your mother’s vehicle or you need to be added on her car insurance policy.

Tags: auto insurance, car insurance cost, car insurance rate

Reader’s Question:

Hey there! Need some help. We are looking to get the cheapest car insurance available in St. Louis, Missouri. Would appreciate some pointers.

Lenny,

St. Louis, MO

Hello Lenny,

There are some steps you can take to get the cheapest car insurance rates. Insurance rates are related to risk. If you lower the risk, you lower your rates. For the cheapest car insurance, take steps to minimize the carrier’s risk. Installing anti-theft devices will help.

When shopping for the cheapest car insurance, it helps to know all the group memberships to which you belong. These groups may qualify you for discounts that will definitely contribute to your efforts to find the cheapest car insurance.

Car insurance rates can also be impacted by breaking down the mileage you drive to and from work. Also, keep track of your travel mileage. This information will help in you research for the cheapest car insurance.

When you seek competitive pricing fort he cheapest car insurance, include all cars that you own in one policy. Many car insurance companies offer discounts for multiple vehicle coverage.

However, Lenny, the single best way to obtain the cheapest car insurance is to shop competitively. Search this site for multiple proposals and you will save money. The cheapest car insurance in St. Louis is available through competitive proposals from this site.

Tags: auto insurance, cheap auto insurance

Reader’s Question:

If I do not have auto insurance and I get involved in an accident in an uninsured vehicle in St. Louis, Missouri will I still be covered?

Maggie

St. Louis, MO

In most cases the answer is No. If you are driving another person’s car, normally the insurance from the owner of the automobile is primary while your auto insurance as the driver is secondary or excess and will only be used after the automobile’s insurance limits have been reached.

If the owner of the vehicle did not have insurance on the car, therefore it is an uninsured vehicle, then it should not be driven on the public roadways in most states. In most states if the car is not insured by the registered owner then the registration will be suspended and therefore the car is not valid to be on the public roadways. In addition, your auto insurance card for your car would likely not be accepted by the police enforcement officer if you were stopped and so you could be cited for driving uninsured.

So if you were driving an uninsured car and got involved in an accident in St. Louis, Missouri, it your insurance carrier’s guidelines and state laws and the terms of your car insurance policy if your auto insurance would be extended to the accident damages.

Tags: auto insurance, car insurance rate, driving without insurance

Reader’s Question:

My drivers license was revoked. I just want to know if I am still covered by my car insurance in St. Louis, Missouri?

Ross

St. Louis, MO

Insurance carrier guidelines and policy terms vary so if you were driving with a revoked drivers license and caused an accident, you would have to inform your car insurance provider in St. Louis, Missouri of both issues to check for sure if the accident would be covered.

If you find out that your current auto insurance policy is fine and will cover you if you decide to break the law and drive with your invalid drivers license it is likely that your current insurance company will refuse to renew your insurance policy if your drivers license is still revoked at renewal time. So to keep your insurance coverage in place at renewal time you will need to get your license reinstated.

Tags: car insurance

Reader’s Question:

My son’s car caught fire while he was driving it. He and my grandson got out safely but the motor vehicle and its contents were a total loss. He has full coverage in St. Louis, Missouri. What will be used to determine the value of the vehicle?

Tom

St. Louis, MO

Ultimately, your son will need to talk to his insurance provider’s claim department to find out how they determine a car’s value in St. Louis, MO. But, generally, his car’s value is determined by comparing his vehicle’s condition to similar cars. This may include input from local car dealers, private parties or recent sales. Condition,mileage and equipment, differences are also taken into consideration. Additionally, his insurance provider may use a computerized evaluation process to help them in determining the value of his vehicle.

Tags: auto insurance, auto insurance claims, automobile, car dealers

Reader’s Question:

I was wondering when you file an SR22, how much will that affect my insurance policy in St. Louis?

Parker

St. Louis, MO

Depending on your current insurance policy in St. Louis, an sr22 insurance may have a minimal cost or a major cost. If you are currently insured through an insurance carrier that will not file a sr22, you will need to buy another insurance policy. In addition to that, you must have “property damage liability” and “bodily injury liability” coverages with limits that are acceptable to the state that is mandating the sr22. If you do not have these coverages (or the proper liability amount) will have to adjust your insurance policy accordingly. Now, a sr22 includes a filing fee that only ranges from $15 to $25. If you currently insured through an insurance provider in St. Louis MO that will file an sr22 and you have those 2 coverages with the limits that are acceptable to your state, then you will only need to add the sr22 insurance and its minimal filing fee.

Reader’s Question:

I am shopping for a used vehicle, and have heard that it is more expensive to insure a red car than other colors, is this correct? I live in St. Louis MO.

Rick

St. Louis, MO

No, the color of the vehicle is not generally one of the factors that a car insurance company will use as a rating factor.

The myth is out there that a red or silver car costs more to insure but in all actuality insurance carriers do not consider the color, but they do look at the type of vehicle. If it is a red sports car it will likely cost more than a yellow family car to insure but due to the powerful engine and statistics of accidents relating to sports cars compare to a 4 door family sedan, not the color.

Some other rating factors that insurance companies consider in St. Louis MO include your age, your claims history, the kind of car you drive, in some states your credit history and your driving record.

Reader’s Question:

I just want to ask if Missouri is a no-fault insurance state. I will be relocating to the St. Louis MO suburban area from a no-fault state in Michigan. Should I expect the cost of my insurance to be cheaper or at least lower?

Bob

St. Louis, MO

The state of Missouri is not a no-fault state. Missouri law requires all owners of motor vehicle to carry car insurance with liability limits of $25,000 per person for bodily injury up to $50,000 for bodily injury per accident and $10,000 for property damage per accident. The Missouri law also requires uninsured driver coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

If another motorist hits you and leaves the scene you should contact the law enforcement station. They will investigate the hit and run and if they find the hit-and-run motorist you can file a claim against them and/or their insurance company. If you have physical damage coverage then your car is covered. If you have uninsured/underinsured motorist bodily injury coverage then your medical coverage would be covered. You should always buy as much insurance as you can afford.

If you are looking for a cheap car insurance, you may begin by shopping through the internet from these individual insurance company websites in St. Louis, MO.