Life Insurance

Life Insurance - Missouri law requires that all motor vehicle drivers and owners maintain some type of motor vehicle liability insurance coverage . Unfortunately, each year thousands of Missouri citizens are involved in automobile accidents with drivers who have not maintained the required automobile insurance. This results in unpaid damage claims and higher insurance premium rates for all Missourians. Missouri motor vehicle owners are required to show proof of insurance when registering a vehicle and renewing their license plates. Liability insurance covers your legal liability when injuries or property damage happen as a result of your actions.  The minimum level of coverage required by state law is: $25,000 per person for bodily injury $50,000 per accident for bodily injury $10,000 per accident for property The law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident. Nonresidents must maintai...

Life Insurance - Tips Trick Of Home Insurance .  You've been searching for the perfect house for months. Finally, you find the one. After your offer is accepted and a small mountain of paperwork is signed, it's yours. What are you going to do next?If you're smart, before you pack a single box, you will make sure your home insurance has you covered for whatever life might have in store. While your mortgage lender likely requires you to carry some level of home insurance, don't assume that amount will protect you from financial disaster. Donald Griffin, vice president of personal lines for the Property Casualty Insurers Association of America (PCIAA), offers these tips. Tip No. 1: Insure for your home's replacement cost Here's one of the most common mistakes homeowners insurance  make: Confusing a house's market value with its replacement cost. Your home insurance coverage should cover the cost of rebuilding your house if it is destroyed. "The best in...

Life Insurance -  Story Of State Farm Insurance Part 2 .   State Farm Insurance was notified about foundation movement back in July, 2008. They sent Baker Brothers Plumbing out to see if water leaks were the cause for foundation movement and tested the plumbing system.  They informed State Farm insurance  that there was two sewer drain leaks. Under the present policy I have with State Farm, it states that they would cover the cost to tear out and replace any part of the building necessary to repair the system. They refused to cover this even thou it is in my policy Section (FE-5368) under coverage part A of the policy. The insurance policy states coverage for a plumbing leak and does not state (Sewer or Fresh water). They informed me that I would have to cover the expense for the repairs, nothing was done. In August 2008, Bryant Consultants was contacted by State Farm and they came out to reinspect the water system and told State Farm that there was three leaks bu...