
[BOR]
0: Safe
1: Post only links to articles, Title must fairly describe link contents. If your title differs from the site’s, it should only be to add context or be more descriptive.
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5: Vote based on comment quality, not agreement. This community aims to foster discussion; please reward people for putting effort into articulating their viewpoint, even if you disagree with it.
6: No hate speech, slurs, celebrating death, advocating violence, or abusive language. This will result in a ban.

[EOR]
[BOC]
If you only have liability, then your own insurance coverage doesnt apply.  You arent covered for the damages to your vehicle and must handle the claim with the other person's insurance company.  That said, the other insurance company has a right to investigate claims.  Missouri statute gives insurance companies 30 days to investigate claims per http://www.sos.mo.gov/adrules/csr/current/20csr/20c100-1.pdf (end of page 4)
[EOC]
