Missouri Auto Insurance
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Your Missouri Auto Policy: Questions Answered
What is auto insurance?
Auto insurance protects you from financial loss in the event of an accident. Your Missouri auto insurance policy is a contract between you and your insurance company which says that you agree to pay the premium and the insurance company agrees to pay for any losses or damages — as outlined in your policy.
Is it illegal to drive without Missouri auto insurance?
Yes. Missouri's Motor Vehicle Financial Responsibility Law requires Missourians to pay for another person's injuries and damages in the event of a collision. If you are unable to pay for these damages, your punishment can range from losing your driver's license to a criminal conviction and time in jail.
Thus, Missouri requires all drivers to carry liability insurance with coverage extending to the following areas:
- Bodily Injury — protects you financially if you are involved in an accident and the other motorist chooses to sue. This coverage will pay your court costs and damages up to the amount as outlined in your policy.
- Property Damage — protects your legal responsibility to the property of others in the event that it is damaged in a collision. This coverage covers damages to another vehicle as well as any private property such as buildings, road signs and bridges, as outlined in your policy.
- Uninsured Motorist — covers your injuries and those of your passengers if you are hit by an uninsured motorist. It is important to note that this coverage does not include damage to your car.
Who is covered under my Missouri auto insurance policy?
The Missouri State Department of Insurance states that the person named in the policy, that person's spouse, family members living in the household and any other person given permission to use the car are covered under the policy, but it is always best to check with your agent as some policies differ.
How much auto coverage do I need?
Before purchasing your Missouri auto insurance, ask yourself:
- How much of my property can I afford to lose if it is damaged or stolen?
- If my property is damaged or stolen, how much will it cost to replace?
- If I am sued by someone who was injured because of my negligence, how would I pay my legal costs? How would I pay the damage awards to the victim?
Remember that motorists injured because of your negligence can sue for more than your policy covers. You will want to consider this when purchasing your Missouri auto insurance. You will want to compare quotes and consider higher limits of coverage.
How will my Missouri auto insurance rates be determined?
Your agent will figure your insurance rate based on the following information:
- The amount of coverage you purchase
- The amount of the deductible you chose
- The age and type of your car
- Your age and gender
- Your credit history
- The number of miles you drive annually
- Your driving and claims record
The latter is the largest factor in determining your rates, so take the extra effort to drive safely.
What if I still have questions?
Contact the Missouri State Department of Insurance at (573) 751-4126 or visit their site on the web. A.M. Best and the Insurance Information Institute also provide reliable information to consumers.
There's no time like the present.
Don't wait for that unexpected fender bender. Use InsureMe's free referral service and start saving on your Missouri auto insurance today!
