Auto Insurance in Chesterfield, MO
No matter where you drive in the great state of Missouri, you must have the proper auto insurance. The state determines how much protection you need at minimum, but you have many options when it comes to finding a policy that works for your budget, your vehicle, and your driving habits.
As independent agents at Lang Insurance, we are here to assist you in finding the ideal auto insurance policy, and we have dozens of products we can pick from for our neighbors in Chesterfield. Our aim is to make sure you understand your policy completely, and we use our love of educating our customers to give you clarity about your coverage and what happens if you ever have to file a claim.
Minimum Missouri Auto Insurance Coverage
No matter what type of vehicle you drive or what its value is, everyone in Missouri must carry the same minimum liability coverage, including all three of the categories below.
Bodily Injury Liability
This type of coverage pays for medical bills incurred by any other parties involved in an accident in which you are at fault. The minimum you must carry is $25,000 per person per accident, plus at least $50,000 total to make sure you have enough coverage for an accident. Should you desire more liability coverage, however, you can certainly add that to your policy for greater peace of mind, such as with younger or less experienced drivers in your family.
Property Damage Liability
To protect other people’s property if it is damaged in an accident where you are at fault, you must carry property damage liability insurance of at least $10,000. This covers things like fences, mailboxes, and landscaping that typically get damaged in car accidents. It does not cover damage to your own vehicle, though, which must be covered by collision insurance, as described below.
Uninsured Motorist Coverage
This coverage applies to situations where you’re in an accident where another party is at fault and doesn’t have auto insurance or has insufficient auto insurance. It covers your medical bills and damages. The minimum you must carry here is $25,000 per person and $50,000 per accident.
Additional Optional Coverage
To round out your auto protection, you may choose to get additional coverage. You may have been told you need this coverage by a third party financing your vehicle. Together with the required liability coverage above, this makes up “full coverage.”
Collision Coverage
If you are at fault in an accident, meaning the other party’s insurance does not cover damages to your vehicle, your collision insurance can be invaluable. It will cover repairs or even replacement of your vehicle up to a certain predetermined value. You will appreciate how collision insurance gets your life back to normal after an accident and your car is not drivable.
Comprehensive Coverage
Comprehensive auto insurance protects your vehicle if it is vandalized, stolen, or damaged by hail, fire, or natural disasters.
Get in Touch for the Right Auto Insurance Coverage for You
Whether you're shopping for a new car, adding a new driver to your policy, or changing your coverage, we’d love to talk to you about your auto insurance needs. Get in touch online for a quote or give us a call at 636-229-7000 today.
Don’t risk driving without the auto coverage required by the state of Missouri. When you have the right auto insurance coverage, you can relax knowing you, your passengers, and fellow motorists are protected the way they should be.