Auto Insurance
Auto insurance is something that most people know they have to have but don't
really know what they should have. In Missouri, there is a state law that
requires you to have insurance - if caught without it, you can have your license
taken away...Yikes!!!
Here is an overview of the different parts to personal auto insurance
policies.
ALL Policies have the following...
Liability
An Auto or Car policy provides protection for your assets
- current and future.
The liability part of the policy protects you if you cause an
accident that results in injury or damage to another person or their
property. The insurance policy pays their medical
bills, pays for their time lost at work and pays to repair their car or
fence or whatever property you damaged. You can get on with your
life. The liability part of the policy protects you if the injured
party decides to sue you! The policy even pays for your lawyer!!
Collision
Coverage
Collision Coverage provides protection for your vehicle.
The physical damage part of the policy (Collision Coverage)
protects your vehicle if it is
 damaged
in an accident you cause or if you're in an accident caused by someone
else who DOESN'T have insurance. Guess what's going to happen to
the OTHER driver in this situation? If you guessed that they lose
their license, you'd be right!! You WILL have to pay a deductible
and the insurance company will pay the remainder of the loss.
Comprehensive
Coverage
Comprehensive Coverage provides protection for your
vehicle.
The physical damage part of the policy (Comprehensive Coverage)
protects your vehicle if it is damaged by something other than an
accident - such as: fire, hail, vandalism, theft, flood, broken glass,
hitting an animal, etc... Again you WILL have to pay a deductible.
Uninsured
Motorist Coverage
Provides bodily injury protection for you or your
passengers.
This coverage provides protection for you and your passengers if you're
injured in an accident caused by a driver who has NO insurance in place.
Again, guess what happens to THAT driver??? - By law, you MUST buy
this coverage.
Optional Parts that you should have... While you don't
have to have the following by law there are good reasons to strongly consider
them.
Underinsured
Motorist Coverage
Also provides bodily injury protection for you or your
passengers.
This coverage provides protection for you and your passengers if you're
injured in an accident caused by a driver who HAS insurance in place,
but they didn't have ENOUGH insurance to take care of everyone's
injuries. You DO NOT have to buy this coverage.
Medical
Payments Coverage
This coverage provides protection for you, your passengers or even
someone sitting on the tailgate of your pickup and falls off and chips a
tooth !! The coverage limit is lower than the liability limit but
no one has to be "AT FAULT" for this coverage to be used. You Do
NOT have to buy this coverage.
Rental
Reimbursement Coverage
This coverage provides protection for you if your car or pickup is
damaged by a covered loss and you need to rent a vehicle to replace it.
You can ONLY buy this coverage if you also buy at least
Comprehensive coverage and for some companies Collision coverage too.
Towing /
Roadside Assistance Coverage
This coverage provides protection for you if your car or pickup becomes
disabled due to some type of mechanical failure, or you run out of gas,
or you lock yourself out of your car, etc.... Again, you can ONLY buy
this coverage if you also buy at least
Comprehensive coverage and for some companies Collision coverage too.
Make sure your insurance is keeping up with you..
Locally you can call
(636) 239-1130
Or try our toll free number
(877) 919-1130
IF you are looking to insure the following we can help...
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