Reader’s Question: If I buy a car that is only three years old, am I required to have comprehensive insurance coverage on that car? Tim Kansas City, MO No. State laws have minimum car insurance coverages that you must carry on your car. Normally these coverages bodily injury liability (BIL) and property damage liability (PDL). [...]

Reader’s Question: Someone told me that if you lease a vehicle, the lease company pays most of the auto insurance since it is technically still their vehicle. is this true? We live in O’Fallon, Missouri. Viktor O’Fallon, MO To the best of my knowledge it is not true that a lease company will pay for [...]

Reader’s Question: Im planning to move in Kansas City Missouri and I would like to know if one is required to have both uninsured and underinsured coverage or is it optional? Joan Kansas City, MO According to Missouri law all motor vehicle drivers and owners are required to maintain some type of motor vehicle liability [...]