Reader’s Question: I work at home and my wife uses the car much more than I do. We’re in Columbia, Missouri. When we applied for auto insurance, someone suggested that I place her as the primary driver. Does that really affect the auto insurance premium rate? Thomas Columbia, MO Yes, Thomas, it does. This is [...]

Reader’s Question: I got into a car accident in St. Joseph, Missouri, a couple of weeks ago. And there was no police around to do the report. Can I still make claims on my car insurance? Barbara St. Joseph, MO Hi, Barbara. Sure you can still file for your claims. You see, these insurance companies [...]

Reader’s Question: I have a question. Yesterday, my friend was driving my vehicle when the brakes failed and the car rolled into the water. I am just wondering if my car insurance comprehensive coverage in  Missouri will cover my vehicle? Dan St. Charles, MO Well, Dan, if you have the physical damage of comprehensive coverage [...]

Reader’s Question: I am only 18 and I have my own car but car insurance doe not come in cheap for me so I am wondering if there is any way I can do lower my car insurance rate in Independence, Missouri or if there is any classes I can take? Ben Independence, MO There [...]

Reader’s Question: My son is turning eighteen on December. He lives with me in Columbia Missouri but he is not attending school at the moment. I am wondering how old does he have be to come off my car insurance policy? Harry Columbia, MO I am not aware of any requirements or age restrictions for [...]

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 [...]

Reader’s Question: How long does a suspended license remain on you driving record in Missouri? Is there anyway to fix your driving record if there is a suspension on it? Michelle Lee’s Summit, MO In Missouri, suspension for violations such as Pay a Traffic Ticket (termed FACT) or Failure to Appear can only be taken [...]

Reader’s Question: Where can I check in Missouri if I can purchase a vehicle without drivers license? Clint Florissant, MO To check if you are able to buy a vehicle in Missouri without having a valid driver’s license you may contact the Missouri Division of Motor Vehicle and Driver Licensing. They should be able to [...]