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.