Missouri Requires All Drivers to Have Auto Insurance

If you are registering a vehicle and driving it in Missouri, you are required to have at least the minimum auto insurance required by the state:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $10,000 per accident for property

This covers you in the event you are at fault in an accident and pays for injuries to other motorists or their passengers. It also covers other drivers’ personal property damaged in an accident, such as their vehicle or property within the vehicle, as well as damage to things like landscaping or fencing.

We Recommend Coverage Beyond the State Minimum

At Clayton  Hanley Insurance we encourage our clients in St. Louis to carry more than just the required state minimum for auto insurance. We suggest upping your liability protection, so in the event of a serious accident, you won’t have to dip into your personal savings if you reach the limits of your auto policy coverage. This is particularly smart if you have a new or young driver in the household.

We also recommend adding collision and comprehensive insurance in addition to liability coverage. If you are financing the purchase of a vehicle, comprehensive and collision coverage may in fact be mandatory.

Collision insurance covers your vehicle if you are at fault in an accident or if the party at fault has no insurance. It lets you get repairs done quickly, so your life goes on with minimal disruption. If you rely on your car for work transportation, to get to school, or for family activities and errands, you’ll find collision coverage a real lifesaver. If you only have liability insurance, you would have to pay for the repair or replacement of your vehicle out of your own pocket.

Comprehensive auto insurance covers your car or truck in the event of theft or vandalism. It also pays for repair or replacement if your vehicle is damaged or lost to fire, storms, or any natural disasters.  

Our Independent Agents Can Help You Find the Right Coverage

Everyone’s auto insurance needs are different, depending on their vehicle, driving record, and amount of driving they do. We are here to help you put together the best auto policy for your unique situation, and we can work with your budget to find the perfect balance between your premium and your deductible.

As local independent insurance agents, we have access to many more auto insurance products than those big companies, so you’ll get a more customized approach. To enjoy personalized service and help with your policy, give us a call at 314-487-2921, or reach out online for a quick quote.

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