Missouri Auto Insurance Coverages by AIC

Finding the Best Missouri Auto Insurance Coverages

Missouri Auto Insurance | Alternatives Insurance of Chesterfield | (636) 449-1213Missouri Auto Insurance Coverages is insurance for damage to a vehicle(s) and bodily injury resulting from an auto accident. Insurance of this type can cover a variety of instances depending on the kind of auto insurance that has been purchased.  This is why the agents of Alternatives Insurance of Chesterfield are here to help. We understand auto insurance is confusing, and so many of us just ignore it. However, it is not something you can avoid.  Its better to be safe than sorry!  Read more below about the types of Missouri Auto Insurance Coverages and contact us to schedule a free risk analysis of your  current auto insurance policy.  We take your list of needs to the online shopping world of insurance and find you the best lowest rate available in our library of 20+ carriers.

 

Missouri Auto Insurance Coverages – Comprehensive & Collision

Many people refer to Comprehensive and Collision Insurance as “full coverage”.  The correct term is “comprehensive and collision”.  Comprehensive and collision coverages are optional; however, more often they are typically required as part of a car loan or lease agreement.  Think about it — when you cause an accident, what is your first thought after you see the damage done to your vehicle?  If you have liability coverage only, you could be left to pay for your own damages out of your pocket.

Comprehensive Coverage offers protection when an animal my be involved. | Alternatives Insurance of Chesterfield | (636) 449-1213

Comprehensive Insurance Coverages

Comprehensive will help cover costs of damage to your vehicle that result from an event that is not an accident, such as severe weather or fire, theft, vandalism, hail, falling objects, animals or fowl, natural disasters, and all glass breakage.

Collision Insurance Coverage

Collision Coverage pays for damages to your vehicle after colliding with another car or object.  Additional options include Medical payments, Rental car reimbursement, Emergency roadside assistance and more.

Missouri Auto Insurance Coverages – Liability

Liability Coverage protects the other person(s) involved with an accident that is your fault.  Liability coverages include Bodily Injury Per Person, Bodily Injury Per Accident, Property Damage and Uninsured Motorists Coverage.

Let’s say for example, you have 50/100/50.  $50,000 is for Bodily Injury, Per Person.  If you should have an accident and a person was severely injured and incurred $75,000 in medical bills, your insurance will only cover $50,000.  $100,000 covers the Total Bodily Injury Per Accident.  This is used when multiple people are injured in the same accident.  So if you’re involved in an at-fault accident and 5 people are severely injured, your insurance will only pay $100,000 total.

Uninsured/Underinsured Motorist Coverage

This coverage is for bodily injury at the same minimums as those listed for liability coverage. Using the example above, the Uninsured/Underinsured Motorist Coverage would be $50,000. This amount protects you if you’re in a car accident and the other driver is at fault – and that driver has minimum liability limits or doesn’t have car insurance! This coverage also provides insurance for injury-related medical expenses and costs associated with repairing damage to your car.

MISSOURI AUTO INSURANCE COVERAGES | Alternatives Insurance of Chesterfield | (636) 449-1213Medical Coverage

Medical coverage is an important auto insurance coverage. Also known as Med Pay, medical car insurance covers the costs (up to a limit) for injuries that you, or your passengers may have when riding in and while loading or unloading the vehicle.  You and your family may be covered as a pedestrian also.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) coverage is an extended form of MedPay. PIP may cover expenses that are related to injury, but not necessarily medical, such as lost wages, childcare and funeral costs. PIP coverage is currently required by sixteen states. If you are already insured under a good health insurance policy, then fortunately, you may not need to buy more than the minimum required amount of PIP or MedPay insurance–enough to cover your health insurance deductible or other out-or-pocket expenses such as co-pays.

Missouri Auto Insurance – Optional Coverages

There are many optional auto insurance coverages, and some may qualify you for additional auto insurance discounts.  These coverages include Glass Breakage Coverage, Emergency Roadside Assistance Protection, Rental Reimbursement Coverage and GAP Insurance coverage.

You can learn more about these coverage types, and additional coverages by visiting our Auto Insurance page, and by reading the Bodily Injury and Property Damage Coverage pages in your policy.

MISSOURI AUTO INSURANCE COVERAGES | Alternatives Insurance of Chesterfield | (636) 449-1213The Premium – It’s Not Optional!

All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are typically higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums as well. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.

The Deductible

It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.

Missouri Auto Insurance Coverages – Key Points

You may be asked for proof of insurance at any and all of these times: at vehicle registration, at the time of an accident, and any time when driving the vehicle. It is suggested that the owner of the car keeps proof of insurance in the car at all times, instead of on his or her person, so that it can be available at all times, no matter who is driving.

MISSOURI AUTO INSURANCE COVERAGES | Alternatives Insurance of Chesterfield | (636) 449-1213

You should never drive without Missouri auto insurance.  Any violations of state law regarding auto insurance could result in a hefty fine, suspension of your driver’s license, and possibly time in jail. The dire consequences of driving while uninsured are not worth the neglect of paying for insurance. The chance that an uninsured driver will avoid detection is slim; he is likely to be caught and strictly punished–not to mention and increase in the cost of insurance for 3 to 5 years.

Visit the Missouri Division of Motor Vehicle website to learn more about Missouri Auto Insurance Coverages.

We Can Help!

Alternatives Insurance of Chesterfield agents can help consumers with questions about Missouri Auto Insurance Coverages, to insure consumers understand what coverages may best meet their needs and we shop multiple carriers to get you the best price.  Consumers can get a quick auto insurance quote anytime during regular business hours and have access to professional insurance agents who will help them make an informative decision and avoid potential risks.

To better understand your Missouri Auto Insurance Coverages, our agents take the time to sit down with you and review your existing policy and help you identify risks, or sometimes, if you are over insured.  Yes, some people are paying too much for their auto insurance!

Alternatives Insurance of Chesterfield is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.  The company opened in 2002 as a full service Independent Insurance Agency and proud corporate member of Alternatives Insurance Group, a group membership organization of local St Louis area insurance agencies founded in 1992. The licensed producers have a combined 60+ years of experience and are dedicated to providing every client with products specifically selected to fit their individual needs.

Get a free auto insurance quote by clicking here or calling our office (636) 449-1213.

Dump Truck Insurance in Chesterfield Missouri

Alternatives Insurance of Chesterfield Offers Dump Truck Insurance

Dump Truck Insurance in Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213If you use a dump truck in Chesterfield Missouri, to haul asphalt, sand, salt or remove construction debris, you need Dump Truck Insurance in Chesterfield Missouri. Depending on what you haul, you may need specialized commercial vehicle insurance as well.

Missouri dump truck insurance coverages may vary among Insurance Carriers, so it is important that you work with an Agent that represents multiple, top-rated Transportation Insurance Companies.

Alternatives Insurance of Chesterfield is a full service insurance agency that has  years of experience with Missouri Dump Truck Insurance. Our connections with some of the leading Missouri dump truck insurance carriers allows us to provide the coverages your business needs.

Our insurance agents will shop your Missouri dump truck insurance for our clients, so Dump Truck owners and operators save time from searching, and get on the road!   Alternatives Insurance of Chesterfield works with dump truck private contractors, those who owns a single dump truck, and business owners who own a full fleet of heavy-duty commercial hauling vehicles.  We work with our carriers to insure Super Dump Trucks, Heavy Duty Haulers, Salt, Sand and Gravel Trucks, Six and Ten Wheelers, and more.

Dump Truck Insurance Cost can vary based on a number of factors that the Department of Insurance considers.  These include:

  • The dump truck itself,
  • what you’re hauling,
  • where you’re hauling it,
  • the driving records of whomever is driving the dump truck,
  • personal items anyone may be carrying in the cab, and
  • the length of time a driver has been operating the type of dump truck they want to insure.

If you’re hauling hazardous materials, chemicals or explosives, it will increase your dump truck insurance premium. And if you haul aggregate, we recommend sand and gravel haulers insurance, too.

Dump Truck Insurance in Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213Dump truck drivers should have at least the mandatory coverage required to operate commercial vehicles.  The basic policy should include bodily injury and property damage liability coverage amounts required by Missouri law.

Individually owned trucks or corporate vehicles that are used on the roads and highways of the United States are required to carry commercial truck insurance if they are used for hauling cargo for reasons of commerce. This type of policy is perfect for dump trucks, car haulers, logging trucks, fleets of small vans, refrigerated trucks, and flat bed semi-trucks.

 

Current Federal liability limit minimums for commercial vehicles are as follows:

Freights – $750,000 to $5,000,000; depending on what is being transported
Vehicles weighing less than 10,001 lbs. – $300,000; transporting non-hazardous freight
Passenger vehicles – $5,000,000
Passenger vehicles with a seating capacity of 15 passengers or fewer – $1,500,000

Our agents will examine your business needs and customize a Missouri Dump Truck Insurance commercial vehicle policy that best protects your business from risk.  There are several types of dump truck insurance coverages to consider. Some of which our agents will discuss with you are listed below:

  • Non-trucking insurance: This coverage is designed for independent owner/operators with contract jobs. It provides liability insurance if you should be involved in an accident in your truck during off-work hours.
  • Motor truck general liability insurance: This coverage will protect you from liability for damage you cause to your customer’s property while operating your vehicle on their grounds.
  • Physical damage insurance: This additional coverage provides compensation for any damage to your dump truck, and is usually required by dealerships if you are leasing your vehicle.
  • Motor truck cargo insurance: If the cargo you will be hauling on your truck is valuable, you may be required to carry motor truck cargo insurance.

Dump Truck Insurance in Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213

  • Collision insurance: This will cover the repair of damage to your dump truck if you collide with another vehicle or object.
  • Fire and theft insurance: This comprehensive insurance will provide compensation for damages to your vehicle from fire or theft.
  • Environmental insurance: This insurance will cover certain pollution-related losses and fines and the costs for restoration and clean-up, if necessary.
  • Rental reimbursement / downtime insurance: If your truck is damaged in an accident, this coverage will allow you to continue your business operations while your truck is being repaired or will cover business losses if continuation is not possible.
  • Off-season comprehensive only insurance: If your business is seasonal, this will save you money while protecting your vehicle while it is not in use.

Alternatives Insurance of Chesterfield goes above and beyond most insurance agencies.  We know Dump truck owners are required to have a financial responsibility filing that shows proof they are properly insured to protect them and other drivers from high-risk situations.  Our agents  have the knowledge to assist drivers with the state and federal commercial auto insurance filings and will be happy to process the required state filings on your behalf.

Contact one of our licensed insurance agents to schedule a free insurance evaluation or call now (636) 449-1213.

 

 

Tow Truck Insurance Chesterfield Missouri

Alternatives Insurance of Chesterfield — Your Towing Insurance Experts!

Tow Truck Insurance Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213STOP SEARCHING for Tow Truck Insurance Chesterfield Missouri! Alternatives Insurance of Chesterfield has agents who specialize in Transportation Insurance Services, and they know almost as much about your business as you do.  Our agents have relationships with many Missouri Transportation Insurance Carriers, which allows us to shop Towing insurance for you and customize your policy to meet your needs.

Tow truck owners who do not carry insurance are taking a huge risk.  If you are involved in an accident and the vehicle you are towing skids into another vehicle, you would be responsible for paying medical expenses and property damages related to the accident. Accidents Happen and That is Why it is SO Important to Protect Your Livelihood.

Bodily Injury and Property Damage Coverages are standard forms of liability insurance that all motor vehicle owners are required to carry by Missouri law. Tow truck service companies and individual owner operators MUST carry tow truck insurance. Failure to keep the minimum insurance requirements on your tow truck could result in fines and/or you could have your commercial driver’s license suspended. Additionally, you could be responsible for property and bodily injury damages that exceed the amount of insurance your policy will pay.

The Basic Commercial Auto Coverages include the following:

  1. Bodily Injury protects you in case you cause an accident in which another person is injured. It covers the damages that you’re legally responsible for, and provides a legal defense if someone sues you for damages.
  2. Property Damage covers your legal responsibility for damages to the property of others caused by collision with your car. In an accident, the “property of others” is usually another car, but it also covers damage to public and private property such as road signs, bridges or buildings, up to the limits written into the policy.
  3. Fire and Theft Coverage provides protection for your vehicle in case it is damaged by specific, non-collision incidents. Specific circumstances include fire, theft, windstorm or hail, earthquake, lightning, flood, vandalism and collision with an animal.
  4. Collision and Comprehensive Coverage insurance protects you if your tow truck is damaged due to a non-auto accident related event. Comprehensive insurance, as well as fire and theft insurance, would protect you if your tow truck was stolen or damaged due to a fire.
  5. Uninsured/Underinsured Motorist Coverage protects you in the event that you or your tow truck incur damages caused by another driver who did not have enough, or any, auto insurance to cover the damages that were made to you or to your tow truck.

Our agents will work directly with a variety of tow truck service companies who are required to carry Tow Truck Insurance Chesterfield Missouri.  These tow truck service providers include:

  • Auto Salvage Companies
  • Auto Club Contractors
  • Rotational Towing
  • Auto Repair Shops
  • Auto Body Shops
  • Car Dealerships
  • Police Towing and Impound Lots
  • And More! – Give us a call and ask!

Be Aware That Not All Tow Truck Insurance is the Same!

Missouri tow truck insurance coverage options vary among Insurance Carriers, so it is important that you work with a licensed agent that represents multiple, top-rated Transportation Insurance Companies.  With access to multiple carriers, Alternatives Insurance of Chesterfield can customize your Business Auto and Legal Liability policies to fit your Towing Service business needs.

Just a Few of the Tow Truck Insurance Options Include:

On-Hook Towing InsuranceTow Truck Insurance Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213

This coverage will help pay for damages to vehicles you are towing.  The on-hook coverage is generally provided by the garage keepers’ legal liability (GKLL) endorsement (see below). The GKLL limit is a blanket limit that applies to all towing vehicles on the policy.

Garage Keepers Legal Liability Insurance

This will cover vehicles you are storing for clients.  The GLL insurance is usually provided as an automatic endorsement that is added to the Business Auto coverage. This liability coverage covers loss of, or physical damage to vehicles being towed, and while in your care, custody, or control and is designed for towing and wrecker service businesses.  As mentioned above, the on-hook coverage of garage keepers’ legal liability insurance provides coverage for a non-owned vehicle that you are towing.

Miscellaneous Property Floater

A miscellaneous property floater covers your business personal property that is in transit such as tools and other cargo that you have in your tow truck. This coverage will protect against risks of direct physical loss or damage to your scheduled covered property.

Tow Truck Insurance Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213Motor Truck Cargo Insurance

Motor Truck Cargo insurance is provided via an endorsement to insure items other than motor vehicles licensed for road use.  This coverage provides legal liability for towing companies while transporting property (cargo) of others.  Since the towing operator is seen as a common carrier, they are responsible for the safe delivery of the goods they are transporting (customer’s vehicles and the contents of the vehicle), and thus owe a very high degree of care to their customer.

Business Income & Extra Expense Insurance

Business income insurance & expense coverages will reimburse your towing business for loss of income and profits if your property is damaged from a covered peril and out-of-service.  The coverage continues until the property can be restored or replaced, or until the limit has been reached. The extra expense coverage includes extra expenses that business must make during the time of loss such as rent, mortgage payments, taxes, and utility services.

Tow Truck Commercial Auto Insurance Filings

Alternatives Insurance of Chesterfield agents go above and beyond just insurance – we help our clients understand the options available to protect their investment.  Because the transportation industry requires different trucking operations to file different documentation, our agents are here to help our clients with the State and Federal Transportation Insurance Filing Forms including those listed below.

Federal Truck Filings

BMC-32 filing

BMC-34 filingTow Truck Insurance Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213

BMC-91 and BMC-91X filing

MCS-90 form

Intrastate Truck Filings

Form E filing

Form F filing

Form H filing

Form K filing

Alternatives Insurance of Chesterfield is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.  Our agents will work with you to help you understand your Tow Truck Insurance Chesterfield Missouri options and will review your risks to ensure you are properly protected.  Contact us today for a free evaluation of your current policy.

 

 

Tow Truck Insurance Resources

Tow Truck Insurance Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213

Federal Motor Carrier Safety Administration

www.fmcsa.dot.gov


US Department of Transportation

www.dot.gov


The National Transportation Safety Board

www.ntsb.gov


Directory of State Patrol and State Police

https://www.statetroopersdirectory.com


Missouri State DOTs and MVRs

www.modot.org

www.dor.mo.gov/mvdl

Limo and Taxi Insurance Coverages in Chesterfield Missouri

Livery Insurance Needs in Missouri

Limo and Taxi Insurance Coverages in Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213

Alternatives Insurance® of Chesterfield is devoted to our clients. This is why we keep our clients informed of the specific  Requirements for Limo and Taxi Insurance Coverages in Chesterfield Missouri.  It is our responsibility to ensure we can find the right insurance package that meet our clients’ needs.   There are a variety of coverages to look at when purchasing Limo and Taxi Insurance.

 

 

The top 5 most important coverages are:

  1. Collision and Comprehensive: Covers the cost if there is a collision with an object. Comprehensive insurance covers damage that occurs as a result of fire, rocks, animals, etc.
  2. Underinsured/Uninsured Motorist: This provides coverage if you are involved in an accident in which the other driver was at fault, and they did not have adequate coverage to pay the cost of damages. Missouri law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
  3. Personal Injury Protection Coverage: This type of protection covers the cost if there is an accident with injuries. This will cover part of medical costs, rehabilitation bills, funeral expenses, and lost wages at work. If a pedestrian was injured, this type of coverage will pay their expenses, and it does not matter whose fault the accident was.
  4. Employment Practices Liability: If a limousine operator is accused of things such as sexual harassment, wrongful termination or discrimination, this type of insurance will protect the business.
  5. Bodily Injury Liability and Property Damage Liability: These types of insurances are good for limousine drivers to purchase. Bodily Injury will cover victims if property damage or injuries occur if the limousine driver is at fault. Property damage liability will cover the cost if damage occurs to things, such as a garage, mailboxes, or fences.

Click here for the Commercial Package Filing Checklist

As licensed agents, it is our job to stay educated by the latest trends and pricing tiers in the transportation insurance industry.  We understand obtaining Chesterfield Missouri Limo and Taxi Livery Insurance Coverages is not necessarily an easy task, and we are here to help!

Alternatives Insurance® of Chesterfield aims to protect our clients and their businesses by providing a proactive approach to their insurance needs. As a partner in business, we understand the need to protect our investments and livelyhood.  Limo and Taxi Insurance Coverages in Chesterfield Missouri are required for limo and taxicab companies, whether they are individually operated, or a large fleet enterprise.

Our licensed agents have an abundance of knowledge in the transportation industry and are well-qualified to handle limo and taxi insurance coverages in Chesterfield Missouri.  Our agents have direct appointments with several insurance carriers where we can shop for you to find the best coverage at the best price.  Our agents make your business our priority.  We take the time to analyze the customer’s business type, insurance business needs and state-mandated requirements.

Alternatives Insurance® of Chesterfield agents and staff are loyal to our clients.  As a Trusted Choice agency, we are dedicated to treat our clients as a person, not a policy.

There are several Limo and Taxi Insurance Coverages in Chesterfield Missouri to choose from and it is important to have a professional agent assess your business needs.   Before your appointment, make sure you have details of your business so we can get the most accurate Limo and Taxi Livery Insurance Quote.  The following is a list of items you will need to begin a Limo and Taxi Insurance Quote:

  • Complete vehicle description including the model, year, ID number, and serial number.
  • Use of the vehicle and geographical location of customer base.  (<50 miles, >100 miles, etc.)
  • Actual cash value of the vehicle as is, and the cost to buy a new vehicle.
  • Garaging location and the description of garaging location.
  • A list of all drivers’ name, age, state and license number.

Click here for Missouri  Taxi & Transportation License Information

We do not perceive our clients as a sale. We continue to serve our clients and review your needs from time to time to ensure you still have the best coverage that meets your needs.  Call us today to begin a prosperous, long term relationship with experts in Limo and Taxi Livery Insurance Coverages in Chesterfield Missouri.  For a fast quote call (636) 449-1213.

Limo and Taxi Insurance Coverages in Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213

Trucking Insurance in Chesterfield Missouri

The High-Risk Industry Requires The Right Protection

 Trucking Insurance in Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213Alternatives Insurance of Chesterfield is a leader in providing all-inclusive programs for Trucking Insurance in Chesterfield Missouri.  Our licensed agents have more than 60 years combined experience with automobile liability, general liability, physical damage, garage liability, motor truck cargo, and workers compensation insurance.  We know without the right protection, there can be serious repercussions.

Whether you drive tractor trailers, box trucks, or flatbeds, and you depend on your truck for your business, Alternatives Insurance of Chesterfield can help you protect your source of revenue, with coverages designed for professional truck drivers. We offer truck insurance for most types of trucks, including Box trucks, Semi trucks, Flatbed trucks, Front loaders, Tank trucks, Tractors, Dump trucks, Auto hauler trailers, Garbage trucks, Pickup trucks, Flatbed trailers, and more.

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Limo and Taxi Insurance in Chesterfield Missouri

Insurance Requirements for the Transportation Industry

Limo and Taxi Insurance in Chesterfield Missouri | Alternatives Insurance of Chesterfield | (636) 449-1213Insurance in Chesterfield Missouri is required if you own a taxi cab, limousine or own a taxi or limo service. Alternatives Insurance of Chesterfield understands transportation is a unique industry and we are here to help you with Limo and Taxi Insurance in Chesterfield Missouri!  We provide personalized insurance coverages that cater to the insurance needs of taxi and limo operators – from single operators to large sophisticated fleets.

Taxi Cab and Limo Drivers  need to be covered if an accident causes a large liability claim. Limousine insurance companies offer commercial auto insurance that matches the specific needs of limo services. Because your business involves the transportation of people in your car, van or limo, you need coverage that protects your passengers and covers your risk for a liability claim.  Our licensed agents will review your liability and assets to find the best insurance products to meet your needs.  Alternatives Insurance of Chesterfield shops many carriers for you to get the right Taxi and Limo Insurance in Chesterfield ton Missouri. We serve clients throughout Missouri, including High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair.

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