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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.