Category: Auto Insurance

What kind of auto insurance does one need to carry when traveling through Webster Groves, MO? The answer there lies in the state minimum requirements as setting up by the state of Missouri. Luckily, those are posted and readily available for all to see. The state of Missouri requires a minimum of $25,000 of coverage per person in the vehicle, $50,000 per accident, and $25,000 for physical damage to the other vehicle. Those are just the minimums, and one may choose to purchase additional coverage in the Webster Groves, MO area if they choose. 

Travers Insurance focuses on helping people get their hands on the policies they need to keep themselves safe and legal out on the road. They have looked at the minimum requirements for the state of Missouri, and they understand how to create an auto insurance policy that meets those minimum requirements. Basically, they are all about helping people to get the coverage that they need without spending a penny more than what is absolutely necessary to do so. It is all about getting the right policies in the right hands, and Travers Insurance has managed to do that very well through its innovative creation of a variety of insurance types. 

People in Webster Groves don’t want to worry about getting hurt or hurting someone else in the course of just going about their day-to-day business. Most people assume that they will never be in this position. However, we know for a fact that some people will be involved in accidents at some point, and that is why we just can’t assume that everything will just work out okay. We have to prepare ourselves for the reality that we need protection in case our number is called, and we are the ones who end up having to pay for an auto accident. 

Whether you are a Missouri resident or just driving through, you are required by law to carry some basic auto insurance. Unfortunately, thousands of people are involved in accidents every year who don’t follow the law. That makes it even more important that you, as a responsible driver, have the right insurance to protect yourself. At Travers Insurance in Webster Groves, MO, we have been around for 70 years through three generations. We have survived by providing our customers with personal service they can count on. 

Mandated auto insurance is liability coverage and uninsured motorist. Liability protects others from the results of your actions. If you cause an accident, you must have $25,000 for injuries to each person. The total per accident of $50,000 and $10,000 for property damage. Uninsured motorist coverage must equal the bodily injury coverage of your liability insurance. Your lender or lessor will require that you carry additional coverage to protect their vehicle. 

Most people count on their vehicles for conducting the everyday business of life. Depending on where you live, public transportation may not be an option. If you own a vehicle but don’t have a loan, you can go without collision and comprehensive. The question is, do you want to? If you can easily pay for any repairs to your vehicle from an at-fault accident, then, by all means, skip the additional coverage. If you are like most people, you don’t have thousands of dollars just sitting around to use for repairs. 

Collision pays for your vehicle’s repair after a motor vehicle accident, comprehensive covers for damage due to events beyond your control, storms, theft, fires, etc. 

If you have questions about auto insurance coverage at Travers Insurance in Webster Groves, MO, we have answers. Contact us for a no-obligation quote.