Realiable Missouri Insurance

Frequently Asked Questions

We get it, insurance can be confusing. You might have questions about coverage.

We have a list of frequently asked questions that are sure to help you out. Click on the questions below to see the answer. If you can’t find the answer you are looking for, contact us today!



Will my personal auto policy provide coverage if I use my vehicle for business purposes?
If I go on vacation and rent a vehicle, will my auto policy provide coverage while I am driving the rental vehicle or must I purchase coverage from the rental company?
What is typically covered under Comprehensive coverage?
What is covered under Collision coverage?
I have an older vehicle which I do not care to insure for comprehensive and collisions coverages. Is there any reason why I should carry higher than minimum liability limits?
What is covered under Bodily Injury coverage?
Does Property Damage coverage provide coverage to fix my vehicle if the other driver is at fault and has no insurance?
How is the deductible for Comprehensive or Collision coverage applied?
What is covered under Medical Payments coverage and to whom does the coverage apply?
If I already have health insurance, do I need to carry Medical Payments insurance on my auto policy?
What is the difference between Uninsured and Underinsured Motorist coverages?
If everyone is required to purchase liability coverage, why do I need Uninsured Motorist coverage?
What does Rental Reimbursement coverage provide, and does it provide coverage if I take my vehicle to a shop for mechanical repairs?
If I borrow a car from a friend or relative, will my policy cover me while I am driving the borrowed car?
I have not had any accidents or violations, so why do my auto insurance premiums continue to increase?
What should I do if I have an accident?
Is there any way that I can reduce my premiums?
What if my insurance lapses and I drive without insurance?