Every driver in the state of Missouri, including in St. Charles, is required to have auto insurance in order to comply with state law. While there are many different coverage options out there, you must at least meet the minimum requirements outlined by the state.
Bodily Injury Coverage
Bodily injury coverage is the component of your auto insurance that pays for the medical bills of any individuals involved in an accident with you. This coverage will come into play when the accident is your fault.
The minimum requirements for bodily injury liability coverage are $25,000 per person, per accident, up to a total of $50,000 for all involved in the accident. Of course, you have the option of increasing your coverage for additional protection, but these are the bare minimums.
Property Damage Liability
You'll also need coverage to repair the other driver's vehicle or other property after an accident where you are at fault. This coverage does not include repairs to your own car. The minimum requirement in this category is $10,000, though you can increase that amount as you see fit.
Uninsured Motorist Coverage
Although auto insurance is required in St. Charles and throughout Missouri, there are still some drivers out there who choose to ignore the law. If you are hit by another driver without insurance, your uninsured motorist coverage will take over where their insurance should have.
While many other states do not require drivers to have uninsured motorist coverage, Missouri does. The minimum requirements are the same as for bodily injury coverage: $25,000 per person, up to a total of $50,000 per accident.
Other Coverage Options
While not required in St. Charles, you can add extra coverage options to your auto insurance policy.
For example, collision coverage is a popular choice, especially among those driving newer vehicles. This coverage will pay to repair any damage to your own vehicle when the accident was your fault. If you financed your vehicle, your lender may require you to include this supplemental coverage, though it depends on the lender's policies. Check with yours to be sure.
Protect Your Vehicle Today
Here at Lang Insurance, we are proud to offer complete auto insurance plans for customers in St. Charles and the surrounding areas. Our local insurance agents will work with you to ensure you are getting the best possible coverage for your budget while also meeting state requirements. Call today at 636-229-7000 for a free quote.