Missouri Car Insurance (MO)

Like every other part of the country, life in Missouri is picking up momentum.  It seems as if new products, new technology, new businesses, and whole new industries are appearing on the scene overnight.  The most energetic of us see this accelerating evolution as opportunity.  But with a life filled by friends and a job, chasing change can burn through whatever time is left in a busy schedule.  One must-do chore that cannot be forgotten is purchasing car insurance.

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Missouri Car Insurance Requirements.

In Missouri, the minimum car insurance requirement is $25,000 in bodily injury coverage for an individual and $50,000 in bodily injury for any one accident.  The policy must also have a minimum of $10,000 in property damage.  These coverages pay for damages if you are at fault in the accident.

Because there is no required insurance coverage for your vehicle should you be at fault, there are options available to protect your car referred to as collision and comprehensive. Collision coverage pays for your repair costs, after a deductible is met. Comprehensive insurance pays for non-accident related damages, such as theft, damage from a storm or fire, or vandalism.

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Additional Car insurance Coverage in Missouri

Many people drop collision and comprehensive coverage after the car is five years old or more, because the value of the car does not justify the premiums. The mix of coverage levels, deductibles and premiums are different for everyone, based on each individual’s financial situation.

Keep in mind that medical and repair costs can add up quickly, and state-mandated minimum requirements may not be sufficient enough to cover your liability. It is recommended that you purchase the highest limits of coverage you can comfortably afford.

As an added layer of protection, you may also want to purchase coverage to protect you from uninsured or underinsured drivers. This type of coverage is meant to pay for injury related expenses incurred by you and your passengers in a collision with a driver that is uninsured, or whose insurance is insufficient to pay your expenses.

You can also purchase coverage for towing, which will pay for having your car removed from the scene of an accident. And you can buy coverage for a rental car, which will be paid for while your car is in the shop.

Car Insurance in Missouri Cities

Learn more about car insurance specifically in Kansas City.

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