Missouri Auto Insurance Quote Facts
Understanding a Missouri auto insurance quote may often seem like trying to balance on a high wire or learn a new instrument. A lot of people find it confusing and intimidating but fortunately there are places where you can go for help, like this article. I hope that the following quick reference will help you contemplate some of the more frequently sold types of coverages. It's certainly not an exhaustive compendium of everything you need to know about insurance, but you will certainly speak more intelligently the next time your talking to your agent.
Liability covers bodily injury and property damage (BI/PD). This covers your legal liability, up to the dollar limits you select, for damages caused to others in a covered vehicle accident. With the exception of a few states it is required that you maintain liability insurance for any vehicle you drive. The consequences of failing to maintain auto insurance coverage can be quite harsh, so ensure you always keep your auto insurance current.
Your insurance company will pay for damages to an injured person and/or property damage that you are legally obligated to pay as a result of an accident. You definitely want to ensure your next Missouri auto insurance quote covers you in the event you’re sued after an accident because your insurance company will pay for a lawyer to defend you. If you look at your current policy you will see your liability limits expressed as three numbers, for example, 25/50/25 or 100/300/100. The first number refers to the maximum amount (in thousands) that your insurance company will pay for bodily injury per person. The second number is the maximum amount that would be paid out for bodily injury per claim and the third number represents the maximum amount your insurance company will pay for property damage you cause.
Collision. If you buy collision coverage, your insurance company pays for damages in the event your vehicle collides with another vehicle or object. Collision coverage involves a deductible amount which you select when you purchase your policy. This amount is what you will pay before your insurance company begins paying damages. Remember, the deductible amount is the amount you need to pay in the event of a claim.
Comprehensive covers damage caused by events other than a car collision - such as fire, theft, vandalism, hail or flood. It also covers damage caused by your vehicle colliding with an animal. If your car is stolen, it will also cover the cost of a rental, subject to a daily limit. Similarly to your collision coverage, a deductible usually applies to comprehensive.
Medical Coverage. Depending on the state in which you live, you may have available to you Medical Payments coverage or Personal Injury Protection (PIP) coverage. While these both work differently, they provide coverage for medical care provided to you as a result of a car accident.
To find an independent agent who can provide you with a Missouri auto insurance quoteplease visit Comfort Insurance
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