Here in Wentzville and throughout the state of Missouri, all drivers are required to have auto insurance coverage. In addition, they must meet the minimum requirements as set out in state law.
Those minimum requirements are as follows.
Bodily Injury Liability
If there are any injuries in an accident that is your fault, you'll need coverage to pay for the other driver's medical bills, as well as those of any passengers. Your coverage must include at least $25,000 in coverage per person with at least $50,000 to cover everyone involved in the accident. You can increase your coverage beyond these minimums as you like for added protection.
Property Damage Liability
In addition to injuries, there will likely also be property damage in an accident, whether to another vehicle, building or other structure. Property damage coverage will pay to repair those damages. You must have at least $10,000 worth of coverage in this category.
Keep in mind that your own vehicle will not be covered under this component if the accident was your fault.
Uninsured Motorist Coverage
In some cases, you may be involved in an accident with a driver who does not have insurance, even though it is required by law in Wentzville. Rather than paying for your medical bills and property damage out of your own pocket, this aspect of your auto insurance coverage will pay instead. It fills in where the other driver's insurance should have paid. You must have at least $25,000 in coverage per person and $50,000 per accident.
Optional Auto Insurance Coverage
Although you are only required to meet the state minimums, you can elect to increase your coverage in all of the above categories for additional protection and peace of mind. You can also include additional coverage, like Collision or Comprehensive coverage.
If you took out an auto loan to pay for your vehicle, your lender may require you to have additional coverage beyond the minimums. Keep that in mind when evaluating your options as well.
Give Your Auto Insurance Coverage a Tuneup
At Lang Insurance, we have helped countless drivers in Wentzville with their auto insurance policies, and we would be happy to assist you as well. Reach out to our team today to learn more about your coverage options. Request your free online quote today.