Who has the greatest need for life insurance?

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If you’re married and have a new mortgage on a house, if you have a child in college and are helping them pay tuition and other educational expenses, or if you’re a stay-at-home spouse or parent that provides valuable domestic services such as child care or house cleaning, you should consider life insurance.

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Is Missouri a no pay no play state?

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Missouri is now a “no pay, no play” state. This means that if you are hurt in an accident anywhere in the state of Missouri and you do not have car insurance, you may be limited from recovering fully for your injuries, even if the other driver was 100% at fault!

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Which situation is passing always forbidden?

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Passing is illegal and unsafe in the following conditions: Cross-traffic is present, even if there are no warning signs. When there is a solid yellow line on your side of the roadway. A school bus is loading or unloading children. Attempting to pass a long line of vehicles.

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What happens if you forget to add baby to insurance?

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Your health insurance company will likely request the child’s birth certificate to create the special enrollment period. If you miss the deadline for special enrollment, new parents may have to wait until the next open enrollment period to add a newborn to health insurance. Sep 20, 2021

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Is leaving the scene of an accident worse than a DUI?

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If you leave the scene while DUI, you can still cause more accidents, damage and injury because you’re still unsafe to drive. If you do crash a second time, you could face even more charges and restitution for damage caused. … Sentencing is apt to be naturally more severe when DUI and hit-and-run occur together. Feb 16, 2019

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What is hired auto coverage?

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Hired and non-owned auto insurance (HNOA insurance) covers liability expenses for accidents involving vehicles that your business uses for work purposes but doesn’t own. This includes vehicles that your business rents, as well as your employees’ personal vehicles that are used for work errands.

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Does PIP include lost wages?

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Personal injury protection, also known as PIP coverage or no-fault insurance, covers medical expenses regardless of who’s at fault. It can often include lost wages, too.

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