Auto Insurance

The state of Missouri requires everyone who owns a vehicle to have an auto insurance policy with minimum liability coverage in the event of an accident. The law was enacted to give motorists more financial protection in the event of an accident and lower the amount of unpaid damage claims from uninsured motorists. We at Partners Central insurance agency can help you buy a minimum liability auto insurance policy so you can stay on the right side of the law.

Minimum Amount of Coverage for Liability Insurance

Missouri has what's known as a 25/50/10 requirement for minimum liability insurance coverage. This includes:

• $25,000 for bodily injuries for each person in the car
• $50,000 for bodily injuries in total for an accident
• $10,000 for property damage in an accident

The amount required for bodily injuries is the maximum amount an individual can expect from the insurer to pay towards their injuries after an auto accident. Bodily injuries total covers lost wages that the accident victim suffered because they lost time at work, are unable to perform their job duties and lose their job or suffered a permanent injury that prevents them from working. The amount for property damage covers repairs or replacement value of the vehicle that's been struck.

A Minimum Policy Might Not Have Adequate Coverage

The state's minimums for auto insurance are sufficient to allow you to operate a vehicle on Missouri's roadways without worrying about getting a ticket. Still, it may not be enough to cover other motorists in an accident. In the event you get into a major collision with another vehicle, you may find that minimum liability insurance won't be enough to cover the bills, and you wind up getting sued for the rest.

Give Us a Call Today to Talk About Auto Insurance

Our agents at Partners Central insurance agency can help guide you through the various options for auto insurance. Together, we'll discuss your options and find a policy that fits your needs.