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Missouri Auto Insurance Education

What Insurance Means, Premiums and Deductibles

Alternatives Insurance of Chesterfield | Missouri Auto Insurance Education | (636) 449-1213Alternatives Insurance of Chesterfield is not only an insurance agency, our licensed agents care about our clients’ well-being. We provide the tools and resources necessary for consumers to receive the proper Missouri Auto Insurance Education.  Helping you understand your policy is our duty as a Trusted Choice Agent.

As part of our Missouri Auto Insurance Education, we have included the basic information about your auto insurance policy. We encourage you to schedule a free review your individual policy for specific details on coverages, terms, limits, conditions, and exclusions.

Foundation of Missouri Auto Insurance

An insurance policy is a contract between a policy holder and an insurance company.  All policies are unilateral in that the policy holder pays the insurance company a premium. The purpose of an auto insurance policy is to make one whole, or return the policy holder back to their original condition prior to a covered financial loss.  For example: you own a 2015 vehicle with actual cash value of $20,000 and the car was totaled by a covered peril.  The recovery amount is limited to the amount of the actual loss incurred, and not the actual cash value – or replacement cost less depreciation.

Laws and Regulations

Missouri law requires motorists to have auto insurance.  No owner of a motor vehicle registered in Missouri may operate, register, or maintain registration of a motor vehicle, or permit another person to operate the vehicle, unless the owner maintains the required liability coverage.

* Proof of insurance shall be carried in the insured motor vehicle at all times. *

Alternatives Insurance of Chesterfield | Missouri Auto Insurance Education | (636) 449-1213

Photo Source: https://farm1.staticflickr.com

Missouri law requires all drivers to carry some types of coverage – at least state minimum – in the amount of $25,000 because of bodily injury to or death of 1 person in any 1 accident and, subject to the limit for 1 person, $50,000 because of bodily injury to or death of 2 or more persons in any 1 accident, and $10,000 because of injury to or destruction of property of others in any 1 accident.

The Missouri Auto Insurance Policy

There are 6 primary components to your auto insurance policy and our licensed agents can help you determine the best coverages you need for your situation with a price that meets your budget.  For example: if you have 2 teenage drivers on your policy and own a $500,000 home – we would recommend enough coverage for a loss up to $500,000 so that your mortgage is covered in case of loss.

Liability Insurance protects you, the insured/policy holder, against a claim made by another party, and covers the insured’s legal responsibility to body and property damage.

  • Bodily injury liability (BI) insurance covers you if you cause an accident in which someone else is injured. Your policy is designed to pay claims for each person injured in an accident, and limits the total paid per occurrence.
  • Property damage liability (PD) insurance covers you when you damage someone else’s property. For example, your property damage will pay out when you are at fault for an accident that causes damage to someone else’s car.
  • Collision insurance pays for damage to your car if you run into another object. This coverage is not required by law, although your bank may require it if you have a lien on your car. This is commonly known as “full coverage”.
  • Comprehensive insurance covers you in case your car is damaged other than a collision. The covered perils include hail, fire, theft, flood, earthquake, explosion, falling objects, and encounters with wildlife, such as deer. Comprehensive is optional coverage and you may choose your deductible amount.
  • Uninsured/Underinsured motorist (UM/UIM) insurance covers your expenses when you are hit by a driver who does not carry adequate, if any, auto insurance. Our agents always recommend carrying uninsured/underinsured motorist insurance so that you are not left with a financial loss because of someone else’s negligence to carry auto insurance.
  • Medical insurance coverage (Med Pay/MPC) acts as primary coverage for medical expenses you and your passengers incur if injured in a motor vehicle accident, regardless who’s at fault. Med pay can help you pay your bills as soon as they are incurred.

Cost of Missouri Auto Insurance

Insurance premiums are determined by the statistics of a large group of people who share the same risk. Many factors can affect your premium, and they all help determine how likely you are to have an accident.  Click here for more information from the Insurance Information Institute.  Some of the factors that will be used to determine the cost of insurance can include your driving record, how much you drive, your age, the type of car you drive, etc.  Insurance companies obtain the ratio of exposure by analyzing industry activities and driver statistics.  For example: if you live in an area where the average age of drivers is 45 years and they have decent driving records; the risk is slim, therefore calculating a lower premium.  It’s not that simple, but you get the idea.

Missouri Auto Insurance Deductibles

A deductible for an auto insurance policy is the amount of money you agree to pay for damages before the insurance company provides payment towards the damage/loss.  Choosing a higher deductible means there is less risk of a payout for the insurance company, and so you may pay smaller premiums.  Alternatives Insurance of Chesterfield can help you make an informed decision on how to choose your deductible. Everyone’s situation is different and we understand some may be able to afford a larger deductible, others may not.

 

Contact one of our professional agents to schedule a free auto policy review and we’ll make certain you have the best coverage at the best price!  (636) 449-1213


Missouri Auto Insurance Resources

Missouri Auto Insurance Guide

Consumer’s Guide to Missouri Auto Insurance

 

Missouri Earthquake Insurance  |  Are You At Risk?

Missouri Department of Insurance Recommends

Homeowners To Consider Buying Earthquake Coverage

 

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

According to an article published by the Missouri Department of Insurance, Financial Institutions & Professional Registration, many Missourians are having trouble getting Missouri Earthquake Insurance Coverage. Recent insurance data demonstrates that southeast Missouri is experiencing an insurance coverage crisis.

Click here to read the full article on Department of Insurance Website.

Contact Alternatives Insurance of Chesterfield today for a free insurance review and we’ll help you determine if you qualify for Missouri Earthquake Insurance.

Check Out the earthquake preparedness videos created by Missouri school children!

 

Helpful Resources:

http://www.nehrp.gov/library/plan_prepare.htm

http://www.fema.gov

http://earthquake.usgs.gov

http://www.ready.gov/kit

http://dnr.mo.gov/geology/geosrv/earthquakes.htm

http://www.redcross.org

http://www.nhc.noaa.gov

http://www.eas.slu.edu/Earthquake_Center


Alternatives Insurance of Chesterfield is a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial insurance carriers. We assess risks and shop for companies to find the best coverage for the lowest price. With a combined experience of over 60 years in the Chesterfield Missouri insurance industry, our agents are knowledgeable and competent specializing in auto, home, renters, boat, motorcycle, business automobile, workers compensation, and general liability.

We serve all of Saint Louis and Jefferson counties including Chesterfield, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair. Our professional insurance agents at Alternatives Insurance of Chesterfield can help you get the best value for your Missouri insurance needs.

The Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP) is responsible for consumer protection through the regulation of financial industries and professionals. The department’s seven divisions work to enforce state regulations both efficiently and effectively while encouraging a competitive environment for industries and professions to ensure consumers have access to quality products.

 

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

Trucking Insurance Coverages in Chesterfield Missouri

Primary Liability is Required for all Owner-Operator Vehicles

Trucking Insurance Coverages in Chesterfield Missouri | Alternatives Insurance of Chesterfield |   (636) 449-1213Missouri and the Federal Motor Carrier Safety Administration have specific insurance requirements for tractor trailers. Some coverages are required by law, but if you transport cargo for a living, you need Alternatives Insurance of Chesterfield agents to review your Trucking Insurance Coverages in Chesterfield Missouri.

Alternatives Insurance of Chesterfield is a leader in providing all-inclusive programs for Trucking Insurance Coverages in Chesterfield Missouri.  Our licensed agents have more than 60 years combined experience with automobile liability, general liability, physical damage, motor truck cargo, and workers compensation insurance.  As a business owner who relies on transportation for a living, we understand the importance of having the right insurance in place.

Trucking Insurance Coverages in Chesterfield Missouri Include

General Liability Insurance – covers damages to another person resulting from an accident you cause.

  • Bodily Injury and Property Damage Liability
  • Personal Injury and Advertising Injury Liability
  • Medical Payments
  • Products / Completed Operations
  • Damage to Premises Rented to You – Note: Coverage available for 7 days or less

Primary Liability Insurance – covers the damage you might do to other people or property.  Primary Liability Insurance does not cover you or your truck, theft or bodily injury.  Click here to learn about the minimum amount of primary liability insurance that is set by the Federal Motor Carrier Safety Administration.

Trucking Insurance Coverages in Chesterfield Missouri | Alternatives Insurance of Chesterfield |   (636) 449-1213Motor Truck Cargo Coverage – provides insurance on the goods hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load. If you are in an accident, commercial cargo insurance will pay for destruction or damage to the load that is being carried.

Removal Expense Coverage  – protects you if your load is accidentally dumped on a roadway or waterway. The coverage pays for the cost to remove debris or extract pollutants caused by the debris.

Sue and Labor Coverage  – pays for costs related to preventing further loss to damaged cargo, legal expenses in the defense or settlement of claims.

Earned Freight Coverage – pays for the freight charges the customer loses because of not delivering a load.

Our agents will sit down with you to discuss the different Trucking Insurance Coverages in Chesterfield Missouri and help you determine what best meets your situation.  Additional coverages include:

  • Workers Compensation
  • Trucking Umbrella
  • Physical Damage
  • Trailer Interchange
  • Medical Payments
  • Uninsured Motorist

Because trucking is a unique industry, insurance carriers offer different types of risks.  Our agents have access to multiple carriers that offer exclusive coverages and options to choose from. We can shop your insurance for you and find a company that is competitive with your specific insurance situation.

As your partner in business, Alternatives Insurance of Chesterfield is dedicated to providing you with the right transportation insurance solutions. Whether you are an owner-operator or manage a full fleet,  give us a call for a free consultation on your trucking business. (636) 449-1213

Additional Resources:

Missouri Department of Transportation

Missouri Department of Motor Vehicles

Missouri Trucking Association

Missouri Department of Insurance

Federal Motor Carrier Safety Administration

Missouri Trucking Guide

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