Driving in Weldon Spring means you need to carry the minimum auto insurance required by the state of Missouri. This protects you, your vehicle, other motorists, and other people’s property in the event of an accident.
As independent insurance agents at Lang Insurance, we love helping drivers find the protection they need to stay legal on the road with an auto policy that also works within their budget. From our array of hundreds of insurance products, we’ll help you select the right insurance coverage for your needs. And since our passion is educating insurance consumers, we’ll also make sure to get all your auto insurance questions answered, including what happens if you ever have to file a claim.
Minimum Missouri Auto Insurance Coverage
No matter what type of vehicle you drive or how much it is worth, Missouri law decides the minimum amount of auto insurance coverage you must carry. There are three types of mandatory coverage.
Bodily Injury Liability
According to law, you must have at least $25,000 of bodily injury liability coverage per person and $50,000 total per accident. This insurance covers medical bills for other parties injured in an accident where you are at fault. Remember, this is the minimum state law requires, but you may add more liability coverage if you like.
Property Damage Liability
Property damage liability covers exactly what you might expect: other people’s property damaged in an accident where you are found at fault. You must carry at least $10,000 of coverage in this category to cover things like damaged landscaping, fences, mailboxes, and the like. If you want property damage coverage for your own vehicle, check out “Collision Coverage” below.
Uninsured Motorist Coverage
Required by law at $25,000 per person and $50,000 per accident, this coverage pays medical bills if another driver is at fault in an accident with you but has no insurance or doesn’t have enough insurance.
Additional Auto Coverage
Many clients like to add more coverage to their auto policies. In fact, some third-party auto financers require this additional coverage to make what’s known as a “full coverage” policy.
Normally, the insurance of the person who is at fault in an accident pays for damages to the other party’s vehicle. So, if you are at fault, your own collision policy would pay for repairs or replacement to your vehicle, up to a predetermined limit. Collision coverage is designed to get you back on the road again as quickly as possible, especially if you rely on your car or truck for work, school, and home life.
Round out collision coverage with comprehensive auto insurance. This protects your vehicle if it is vandalized, stolen, or damaged, such as by storms, natural disasters, or fire.
Don’t Go Without the Auto Insurance Coverage You Need
Need more information about auto insurance? We’re waiting here to give you the information you need to build the right policy. Let us answer your questions and give you a quote by contacting us here online or calling us at 636-229-7000. Reach out today, and you’ll know you’re driving legally with your vehicle and its occupants adequately protected in case of unexpected events.