Missouri Auto Insurance Uninsured Motorist Coverage

Uninsured Motorist Coverage is Required by Missouri Law

Missouri Auto Insurance Uninsured Motorist Coverage | Alternatives Insurance of Chesterfield | (636) 449-1213Uninsured Motorist Coverage protects responsible drivers, against those who may not have insurance, or only have the state minimum required insurance.  If an insured driver is involved in a no-fault accident with an individual who is uninsured , the insured driver is stuck with the bills incurred from the accident that was not their fault!  It is especially important for drivers to protect themselves against those that may not have auto insurance.

Alternatives Insurance of Chesterfield Agents encourage our clients to carry more than the minimum Uninsured Motorist Coverage that is required by law. Often times, we see consumers left with financial despair because they were not adequately insured.

Missouri Auto Insurance Uninsured Motorist Coverage is required by Law.  An insurance company cannot issue a contract of automobile liability coverage in Missouri without including Uninsured Motorist Coverage on the policy.

Missouri Auto Insurance TIP:  It is also a good idea to have the same limits for Uninsured Motorist Coverage as you have for bodily injury liability. THIS COVERAGE IS FOR YOU. It pays for your injuries and damage to your car, if another person is at fault and has no or not enough libility insurance coverage.

Missouri Auto Insurance Uninsured Motorist Coverage  is designed to help drivers pay for the bills associated with a crash that was caused by another person who either doesn’t have auto insurance or has a policy with liability limits that do not cover the loss.  Have you reviewed your policy? Does it have enough coverage to protect you if the worst should happen?

Missouri Auto Insurance Uninsured Motorist Coverage | Alternatives Insurance of Chesterfield | (636) 449-1213OUR AGENTS OFFER A FREE MISSOURI AUTO INSURANCE RISK ASSESSMENT.  As part of our services, Alternatives Insurance of Chesterfield provides a free risk assessment to ensure the right protection is in place for you and your family.  We look at your overall worth, what assets you have that could be at risk, and how your family could be affected by a financial loss.

The coverage limits for Uninsured Motorist Coverage protection can range from $20,000 up to $1 million.  Our agents consider a number of factors, including how much your car is worth, what kind of medical insurance you carry, whether you are a homeowner, etc.

Missouri Auto Insurance Uninsured Motorist Coverage offers coverage for bodily injury and can offer coverage for damages to your car. In addition to injuries to the driver, the bodily injury portion of Uninsured Motorist Coverage may also cover injuries to your passengers or family members who are driving the vehicle at the time of an accident.  All the coverages in your auto policy apply when you are driving, but they also apply when other people are driving your vehicle.

Missouri Auto Insurance Uninsured Motorist Coverage will also pay for damages to a vehicle that was parked and not occupied when the at fault party is unknown, commonly known as a “hit and run”.   Your auto uninsured motorist coverage will pay for these “hit and run” damages less your deductible.

Missouri Auto Insurance Uninsured Motorist Coverage | Alternatives Insurance of Chesterfield | (636) 449-1213Missouri Auto Insurance Uninsured Motorist Coverage is especially important for Motorcycle drivers. According to the National Highway Traffic Safety Administration (NHTSA), a motorcycle rider is 35 times more likely to suffer serious injury or death from an accident than occupants in a passenger car. The NHTSA also states that the motorcyclist is rarely at fault when involved in an accident. If you are in a motorcycle accident and the other party has no or insufficient liability insurance, you can face significant costs for an accident you didn’t cause.

For those uninsured , the plea of guilty WILL RESULT in the entry of a conviction on a driving offense. Convictions for offenses will be sent to the Department of Public Safety for entry on your driving record, or to the Department of Natural Resources, and MAY RESULT in the loss of your license by those agencies.

In 2014, the Insurance Research Council News published an article in The Insurance Journal discussing the cost of uninsured motorist claims has risen dramatically in the past decade. Missouri law prohibits an uninsured driver, who is the owner of the vehicle or a driver operating a vehicle with or without permission who is uninsured, from collecting for non-economic damages in a civil action against an insured motorist alleged to be at fault for an accident.  However, the limitation does not apply to passengers in an uninsured driver’s vehicle and does not limit the recovery of benefits provided or economic losses. Furthermore, recovery of non-economic damages in instances where an insured driver who is at fault because of operating a vehicle while under the influence of drugs or alcohol will still be allowed under the new law.

 

 


Missouri Auto Insurance Uninsured Motorist Coverage | Alternatives Insurance of Chesterfield | (636) 449-1213

Be it enacted by the General Assembly of the state of Missouri, the law reads as follows:

  1. An uninsured motorist shall waive the ability to have a cause of action or otherwise collect for non-economic loss against a person who is in compliance with the financial responsibility laws of this chapter due to a motor vehicle accident in which the insured driver is alleged to be at fault. For purposes of this section, the term “uninsured motorist” shall include:

(i) An uninsured driver who is the owner of the vehicle;

(ii) An uninsured permissive driver of the vehicle; and

(iii) Any uninsured no permissive driver.

Such waiver shall not apply if it can be proven that the accident was caused, in whole or in part, by a tort-feasor who operated a motor vehicle under the influence of drugs or alcohol, or who is convicted of involuntary manslaughter under subdivision (2) of subsection 1 of section 565.024, or assault in the second degree under subdivision (4) of subsection 1 of section 565.060.

  1. The provisions of this section shall not apply to an uninsured motorist whose immediately previous insurance policy meeting the requirements of section 303.190 was terminated or non-renewed for failure to pay the premium, unless notice of termination or nonrenewal for failure to pay such premium was provided by such insurer at least six months prior to the time of the accident.
  1. In an action against a person who is in compliance with the financial responsibility laws prescribed by this chapter by a person deemed to have waived recovery under subsection 1 of this section:

(i) Any award in favor of such person shall be reduced by an amount equal to the portion of the award representing compensation for non-economic losses;

(ii) The trier of fact shall not be informed, directly or indirectly, of such waiver or of its effect on the total amount of such person’s recovery.

  1. Nothing in this section shall be construed to preclude recovery against an alleged tort-feasor of benefits provided or economic loss coverage.
  2. Passengers in the uninsured motor vehicle are not subject to such recovery limitation.

If you have had an accident with an uninsured motorist call your insurance agent and contact the Missouri Department of Revenue Driver’s License Bureau at (573) 751-7195. The Missouri Department of Revenue enforces the financial responsibility laws in Missouri. If you were injured, you will want to report the loss under your Uninsured Motorist Coverage with your agent.

Our agents are here to help you through the claims process!  Call for your free assessment (636) 449-1213.

Helpful Resources

National Highway Traffic Safety Administration

Motorcycle Safety

Insurance Information Institute

Missouri Department of Revenue

Motor Vehicle Accident Report Form

Missouri Department of Revenue Driver’s License Bureau

Chesterfield MO Motorcycle Insurance

Motorcycle Insurance Requirements in Missouri

Chesterfield MO Motorcycle Insurance | Alternatives Insurance® of Chesterfield | (636) 449-1213So spring is around the corner and you’re shopping for a motorcycle. While owning a motorcycle gives you the freedom on the road, it also comes with risks and liabilities. Chesterfield MO Motorcycle Insurance must include the state’s minimum coverage. Responsibility goes hand in hand with owning a motorcycle. In Missouri, you must show the state that you are financially responsible before they will issue you a registration and let you out on your motorcycle.

Also, when you register the motorcycle, the Missouri DOR will have you sign an affidavit swearing that you will maintain insurance while the motorcycle is registered.

Read more

Chesterfield Missouri All-Terrain Vehicle Insurance Coverage

Chesterfield Missouri All-Terrain Vehicle Insurance Coverage is Very AffordableChesterfield Missouri All-Terrain Vehicle Insurance Coverage by Alternatives Insurance® of Chesterfield  (636) 449-1213

Many people own ATVs (all-terrain vehicles), whether they’re used for work or play.  Unfortunately, many of ATV owners are not covered by their Missouri Home or Auto Insurance policy.  If their ATV is stolen or badly damaged it may not be covered.  Alternatives Insurance® of Chesterfield can help you get the Chesterfield Missouri all-terrain vehicle insurance coverage you need to protect you and your investment. 
 
Many states require ATV insurance for vehicles operated on state-owned land, and your homeowners policy might not cover you, or other riders on your ATV, if you ride off your own property. That’s why Chesterfield Missouri all-terrain vehicle insurance coverage  is especially important.
 

There are several types of ATVs and Alternatives Insurance® of Chesterfield can help you get the correct Chesterfield Missouri all-terrain vehicle insurance coverage you need.   The types of all-terrain vehicles include:

Chesterfield Missouri Off-Road Utility Vehicles

A “Utility vehicle” is “any motorized vehicle manufactured and used exclusively for off-highway use which is sixty-three inches or less in width, with an unladen dry weight of 1,850 pounds or less, traveling on four or six wheels, to be used primarily for landscaping, lawn care, or maintenance purposes.”

  • Utility vehicles do not meet the definition of a motor vehicle or ATV, and will not be titled and registered.  Examples of off-road utility vehicles include, but are not limited to:
    • Minicab,
    • Mule,
    • Gator,
    • Max/Buffalo, Etc.
  • Utility vehicles cannot be operated upon the highways of this state unless they are:The operator must have a valid driver license, but does not have to be motorcycle qualified.
    • Owned and operated by governmental entity for official use,
    • Operated for agricultural or industrial on-premise purposes, or
    • Operated by handicapped persons for short distances on secondary roads.
  • Cities/counties are allowed to issue special permits for utility vehicles to be used on county roads within the county or on highways within the city to licensed drivers for a fee of $15. The fee is to be kept by such city/county.
  • The seller of a utility vehicle is responsible for collecting and remitting all applicable state and local tax on new utility vehicles.
    • Utility vehicle owners may qualify for a “farm use” tax exemption.

Chesterfield Missouri All-Terrain Vehicle Insurance Coverage by Alternatives Insurance® of Chesterfield  (636) 449-1213Chesterfield Missouri Recreational Off-Highway Vehicles

A “Recreational Off-Highway Vehicle” is “any motorized vehicle manufactured and used exclusively for off-highway use which is sixty-four inches or less in width, with an unladen dry weight of two thousand pounds or less, traveling on four or more nonhighway tires, with a nonstraddle seat, and steering wheel, which may have access to ATV trails.”

  • Recreational off-highway vehicles do not meet the definition of a motor vehicle or ATV, and will not be titled and registered.

Alternatives Insurance® of Chesterfield offers a variety of ATV insurance coverages, including:

Chesterfield Missouri ATV Comprehensive Insurance Coverage

In most circumstances, Comprehensive ATV insurance coverage pays for damage to your ATV if it’s caused by an event other than a collision. For instance, if your ATV is damaged by fire, theft, vandalism, flooding, or an animal, Comprehensive coverage will likely apply. You just pay the deductible you selected, and your ATV insurance will cover the rest.

Chesterfield Missouri ATV Collision Insurance Coverage

Collision pays for significant physical damage to your ATV if you hit another ATV, a tree, a parked vehicle, a big rock, a stump, a fence post, or other obstacle. You just pay the deductible you selected, and your Collision coverage will pay for the rest. Due to the rough nature in which many ATVs are used, Collision does not provide coverage for scrapes, scratches, minor dings/dents, and other cosmetic/non-structural damage.

Chesterfield Missouri ATV Bodily Injury & Property Damage Liability Insurance Coverage

ATV insurance coverage offers Bodily Injury and Property Damage Liability to pay for injuries to people or damage to property caused by your ATV. Liability coverage also protects your assets, up to the limits you choose.

Chesterfield Missouri ATV Uninsured/Underinsured Motorist Insurance Coverage

If the person at fault for an accident doesn’t have insurance – or doesn’t have enough insurance – Uninsured/Underinsured Motorist Bodily Injury will pay for injuries and damages you suffer that the at-fault party is legally liable for, such as medical treatment and lost wages. You simply select the amount of ATV insurance coverage you want, and you’re protected up to those limits.

Several factors can affect your ATV insurance rate. You may not be able to control them all, but there are a few things you can do if you have ATV insurance coverage and want to keep your rates low:

Ride Smart.  If you have violations on your driving record or claims on your ATV insurance policy, your rates will be higher.  Choose the right ATV for your needs. For example, if you race ATVs, those vehicles are considered more aggressive machines, and typically cost more to insure.

Similar to Chesterfield Missouri all-terrain vehicle insurance coverage, Alternatives Insurance® of Chesterfield offers recreational vehicle insurance, boat insurance, powersports insurance and motorcyle insurance coverages.  Owning additional ATVs on your policy will qualify you for multi policy discounts.  Please contact one of our insurance agents for any assistance. 

According to The Missouri Department of Revenue, you have 30 days from the date of purchase to title and pay sales tax on your newly purchased ATV.  If you do not title the ATV within 30 days, there is a title penalty of $25 on the 31st day after purchase. The penalty increases another $25 for every 30 days you are late with a maximum penalty of $200.

Resources:

Chesterfield Missouri All-Terrain Vehicle Insurance Coverage Resources by Alternatives Insurance® of Chesterfield  (636) 449-1213

___________________________________________________________________________________________________

Why Choose Alternatives Insurance® of Chesterfield?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the Alternatives Insurance® of Chesterfield team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at Alternatives Insurance® of Chesterfield have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

Alternatives Insurance® of Chesterfield has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

CHESTERFIELD MISSOURI INSURANCE BLOG | MJM INSURANCE™

Thank you for visiting our Chesterfield Missouri Insurance Blog!trustedchoice-trans1

First, allow us to introduce ourselves….

MJM Insurance™ of Chesterfield is an established full-service insurance agency.  As an independently owned Chesterfield Missouri insurance operation, our licensed agents have access to several A+ rated insurance carriers such as Safeco, The Hartford, Travelers, EMC, Progressive, MetLife, and dozens more. 

Our professional agents assess the risks and exposures the consumer may be facing.  Our goal is to shop insurance for the consumer – a/k/a “you!”  We shop multiple carriers and find you the best protection at the best price.  We’ll help save time and heartache trying to figure out which specific coverage goes with which type of risk.

The insurance products we offer include automobile, homeowners, business, power sports, life, and other specialty lines.  During the client risk assessment, our agents review coverage and compare how you’re currently protected.   Then provide recommendations about how you should be protected. The coverage includes liability, property damage, bodily injury, personal property and much more.

So now you know!

It is our goal to ensure Missouri consumers are well-informed about insurance and protecting themselves and their families. Our agents offer the Chesterfield Missouri Insurance Blog to provide information and educational resources for drivers, homeowners, business owners and everyone in between!  This blog and our site are dedicated to providing Missouri consumers valuable information related to insurance products and risk management solutions. 

So, why purchase your Chesterfield Missouri Insurance from us?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance™ of Chesterfield team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance™ of Chesterfield have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance™ of Chesterfield has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.