Missouri Insurance FAQs

• Q: An Auto Insurance Company Is Not Offering To Pay 100 Percent Of My Damages On A Liability Claim. Can Mdi Help?
  A: MDI has the authority to determine if the insurer conducted a complete investigation prior to making their determination of fault. The Missouri Department of Insurance … More
• Q: The Other Insurance Company Wont Pay For A Rental Car On My Liability Claim. Dont They Have To?
  A: Not in all situations. If you have no other vehicle available, the insurer should cover the cost of a rental as part of your damages from the accident at least until … More
• Q: Can An Insurance Company Write An Estimate Using Parts Not Made By The Original Manufacturer Or Salvage Parts?
  A: Yes, they do not have to put new parts on a used vehicle. A company only has to return the vehicle to its condition before the damage.
• Q: I Submitted Two Estimates, And The Insurance Company Revised The Estimate And Paid Me Based On The Revised Estimate. Can They Do This?
  A: Yes, as long as the revised estimate properly repairs your vehicle. You need to have your body shop review the revised estimate. If they feel they cannot properly … More
• Q: Can The Insurance Company Tell Me Where To Have The Repair Work Done Under Either Homeowners Or Auto?
  A: Yes, if the insurance company is willing to guarantee the work.  You always have the option to go to the repair shop of your choice, but you will be responsible for … More
• Q: What Is Comparative Fault?
  A: In 1983, Missouri adopted the rules of pure comparative fault. Pure comparative fault allows your damages to be reduced by the percentage you are at fault in a loss. … More
• Q: Ive Had An Accident With An Uninsured Motorist. What Do I Do?
  A: Contact the Missouri Department of Revenue Drivers License Bureau at (573) 751­7195. The Missouri Department of Revenue enforces the financial responsibility … More
• Q: What Does Uninsured Motorist Coverage Cover?
  A: Uninsured motorist coverage applies to bodily injury only. Your uninsured motorist coverage will protect you from hit­and­run drivers. It covers you for … More
• Q: Do You Have To Buy Uninsured Motorist Coverage On An Auto Policy?
  A: Yes, an insurance company cannot issue a contract of automobile liability coverage in Missouri without including uninsured motorist coverage on the policy.
• Q: Can The Driving/Accident Records Of My Child/Spouse Have An Impact On My Ability To Buy Auto Insurance?
  A: Yes, the driving record of any licensed driver in your household will affect the decision of the insurance company to insure your vehicle(s). It can cause you to be … More
• Q: Can A Finance Company Take Out Insurance On My Car And Charge Me For It?
  A: Yes, if under the terms of your loan, you agree to provide comprehensive and collision insurance, and you fail to do so. The lending institution can obtain a policy to … More

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