Missouri Auto Insurance for Personal Vehicles

Liability insurance pays (up to a limit) for injuries and property damage you cause to someone else in an accident. This plan is the minimum for all states except New Hampshire and Virginia. Without liability coverage, you become responsible for all medical bills and repairs, on top of any fines and penalties for driving uninsured. You receive greater protection with higher limits, although you’ll need to invest in a more robust policy to cover damage to your vehicle.

Collision coverage pays to repair your vehicle after an accident, whether you strike another driver or a stationary object. Collision policies pay for your car up to its actual cash value, regardless of whether you’re at fault. If the cost of your automobile exceeds its fair market value, the insurer declares the vehicle a total loss and offers a check equal to your car’s cash value to help buy a new vehicle.

A comprehensive plan protects you from all damage not caused by a collision. The policy covers severe weather, fire, theft, vandalism, and animal damage. If you incur repair costs that exceed your deductible, a comprehensive plan can help you make ends meet.