Whether you are commuting to work in St. Louis or heading out of town to visit friends in eastern Missouri, your car is your ticket to travel throughout the Show Me State. Before you can get behind the wheel of a vehicle, you must be able to prove your financial responsibility. The majority of drivers choose to purchase car insurance, which can provide coverage to yourself as well as other drivers and their passengers if you are involved in an accident. While you can skirt by on the minimum coverage required by law, smart drivers know they need far more protection in the event of a claim. Why is that? Imagine the following scenario:
A Missouri driver decides to save some cash with a bare bones car insurance policy on his used vehicle. One day he accidentally runs a stop sign, crashing into the side of a school bus. His car is totaled, and the bus is severely damaged. The children inside are emotionally distraught, and a few suffer moderate injuries. The driver is sued by the school district and the children’s parents for over $250,000 in damages. Unfortunately, the driver’s insurance will only cover about $50,000 for the children’s injuries and just $10,000 for damages to the bus. The rest of the losses – including those to the driver’s own vehicle – must come out of the driver’s own pocket.
In the above scenario, the driver assumes he is saving money with low premiums on very basic coverage, but it ends up costing far more in the long run. Of course, it is not just accidents that can pose a financial threat. Many events, from major storms to theft and vandalism can threaten the investment you made in your vehicle.
Types of Missouri Car Insurance
Here in Missouri, you do not have to accept sub-par insurance protection to save on your premiums. At Mid Rivers Insurance Group, we help area drivers shop and compare rates on coverage from several of the state’s leading providers. We can offer insurance that protects against a wide range of potential losses, including:
Property Damage and Bodily Injury Liability
If you are responsible for an accident, liability helps cover the medical bills, lost wages, and property damages of other drivers and their passengers, as well as injured pedestrians. This coverage is mandatory in Missouri, but the minimum coverage may not be enough to protect you against a lawsuit. We will help evaluate your risk and recommend coverage that will better shield your money and assets after an accident.
Uninsured Motorist Protection
This coverage is also mandatory in Missouri, as it protects you if you are injured by an uninsured driver. However, we may also recommend that some drivers include a similar type of coverage – underinsured motorist protection – which helps fill in gaps for medical expenses if you are injured by a driver who does not have enough insurance to cover your claims.
Cars are not cheap, and neither is replacing them. If your vehicle is damaged or completely totaled in a collision, there is peace of mind when you know the losses are covered by your insurance company.
There is no need to feel helpless when your vehicle is damaged due to events outside your control. Whether it is broken into at a Cardinals game, stolen from your driveway, or damaged by high winds and hail, comprehensive insurance can pay for your non-accident related claims.
Other Types of Coverage
When it comes to protecting you out on the road, we try to think of everything. Whether you want coverage for towing expenses, reimbursement for temporary transportation needs, or protection for your car’s specialty parts and equipment, we can customize your insurance to meet your needs.
Affordable Missouri Car Insurance Quotes
If you own a car in Missouri, we can provide you with the insurance you need to drive with greater confidence. In addition to shopping around for the most competitive rates, you may be able to further lower your upfront costs by adjusting your deductibles, paying your premiums in full, and insuring multiple vehicles or other assets, such as a home, with the same insurance provider.
For more information or to request your free car insurance quote, contact our St. Peters office today. We look forward to serving you soon.