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Missouri Auto Insurance | Uninsured Motorist Coverage is Required By Law

Uninsured Motorist Coverage Protects Drivers Against Negligent Drivers Who May Not Have Insurance

Make sure you have the right protection in place. Contact on of our agents for a free Missouri Auto Insurance review and we’ll help you understand your policy and insurance coverages.  (314) 645-2100

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Where to Learn More About Auto Insurance in St Louis Missouri

MJM Insurance® of St Louis City Is Here To Help!

Where to Learn More About Auto Insurance in St Louis Missouri | MJM Insurance® St Louis City | (314) 645-2100There are many insurance companies and optional coverages to choose from, it can be overwhelming trying to find where to learn more about auto insurance in St Louis Missouri.  The professional agents at MJM Insurance® of St Louis City are ready to help.

When you search “ where to learn more about auto insurance in St Louis Missouri” on the internet, there are about 3,500,000 results!  That’s a lot of information to sift through!  Then you ask yourself, maybe I need to talk with an expert.

When searching where to learn more about auto insurance in St Louis Missouri,  state insurance departments are the best sources for company and agent licensing information.  The Missouri Department of Insurance is a valuable resource for consumers.  Here you can find laws & regulations, find forms and find a reputable insurance company.

The Missouri Department of Insurance also offers detailed information about companies regulated by The Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP).  Here you can also verify that an agent or company is in compliance with running a business and their agents are licensed to sell insurance.  You can also subscribe to DIFP’s newsletter that is chocked full of information for the consumer.

When searching where to learn more about auto insurance in St Louis Missouri, be sure to investigate the company.  Some of the things you should be looking for is how much business the insurance company produced last year and if they’ve had any complaints.  You can also find reviews online when researching on Google and FaceBook.

Don’t waste your time searching, call MJM Insurance® of St Louis City!  We are the best place to learn more about auto insurance in St Louis MO.  Our expert agents are here to help you!

MJM Insurance® of St Louis City takes pride knowing our professional staff provides exceptional service and value to our clients.  We combine years of experience, top-rated companies and products to provide you with accurate information while shopping for you. You save time and money and get the best value for your St Louis Missouri insurance needs.

Our agents take time with you to help you understand your coverages and potential risks by not having the right coverages.  Look no further, MJM Insurance® of St Louis City is where to learn more about auto insurance in St Louis Missouri.  Contact us today for your free assessment.

How To Buy Auto Insurance In St Louis City Missouri

Its Easy!  Visit Our Automated Quote Service Or Call Us Today!

How To Buy Auto Insurance In St Louis City Missouri | MJM Insurance® of St Louis City | (314) 645-2100Unfortunately, not many people know how to buy auto insurance in St Louis City Missouri, to get the best coverages at the lowest price. Well, MJM Insurance® of St Louis City has fixed that problem!  Our new auto insurance quote engine is the easiest way to find coverage and retrieve auto insurance quotes from multiple carriers, in a short amount of time!  As an Independent Insurance Agency, MJM Insurance of St Louis City represents many of Missouri’s premier personal and commercial line insurance carriers and this new system makes shopping for insurance easier for the consumer to get multiple quotes at one time.

Click here to access the automated system.

MJM Insurance of St Louis City offers competitive rates through Travelers, Safeco, EMC, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and many more.  Enhancing the quote automation for buyers makes the process to shop and receive auto insurance quotes from multiple carriers quick and easy.

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What is Uninsured Motorist Insurance In St Louis City MO?

Your Policy Requirements And Coverages Available

What is Uninsured Motorist Insurance In St Louis City MO? | MJM Insurance® of St Louis City  (314) 645-2100 Many people ask What is Uninsured Motorist Insurance In St Louis City MO? Our insurance agents at MJM Insurance® of St Louis City are ready to help!  It is not an easy task to understand all of the issues involved in making a decision about what car insurance policy and features are best for you.  Buying just any policy without fully understanding your risk and coverage needs could be a very costly mistake.  It does not cost more to have our professional assistance—we are likely to find the best coverage to meet your needs for a lower cost by shopping many top-rated companies.

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Auto Insurance St Louis Missouri

Drivers’ Protection and Responsibilities

Auto Insurance St Louis Missouri | MJM Insurance® of St Louis City | (314) 645-2100The most important need for Auto Insurance St Louis Missouri is to protect you, your passengers and the other drivers. MJM Insurance® of St Louis City is a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial lines insurance carriers.  We assess risks and shop for companies to find the best coverage for the lowest price.

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Auto Insurance St Louis Missouri | MJM Insurance® of St Louis City | (314) 645-2100An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements. Most auto insurance policies are for six months to one year. Your insurance carrier will send statements and your agent will notify you when it’s time to renew the policy.._3d Bar Graph Blue

Whether you have never had a ticket or accident or your driving record is less than perfect, we can help you secure the coverage you want at a great price from a quality insurance carrier.

With hundreds of auto insurance companies and the many different policies, the best car insurance purchase decision is often made with the help of a local, professional insurance agent. MJM Insurance® of St Louis City agents are here to help you understand your responsibilities as a driver and the best options to fully protect you, your passengers and the other drivers.

St Louis City Missouri Auto Insurance has many components and varies from company to company. Coverages and premium ratings also vary among companies for different drivers and vehicles. A person with a good driving record will pay less–much less than a driver with a couple of tickets, an accident or who has been cited for and convicted of driving under the influence. A person who lives in a major city – for example St Louis, New York, Chicago or Los Angeles – will pay also pay more than someone who lives in a rural area or small town, even though the two have the same driving records.

It is not an easy task to understand all of the issues involved in making a decision about what car insurance policy and features are best for you. Buying just any policy without fully understanding your risk and coverage needs could be a very costly mistake. MJM Insurance® of St Louis City agents are trained professionals with the certifications and experience you need to find the best coverage to meet your needs for a lower cost by shopping many top-rated companies.

Auto Insurance St Louis Missouri | Drivers’ Responsibilities

Auto Insurance St Louis Missouri | MJM Insurance® of St Louis City | (314) 645-2100Missouri law requires all motor vehicle owners to carry motor vehicle liability insurance coverage. Missouri residents are also required to show proof of insurance when registering a motor vehicle or renewing their license plates. All motor vehicle owners must also keep proof of insurance in their vehicle(s). At any time during the period of vehicle registration in Missouri, the Driver License Bureau may request that a vehicle owner show proof of insurance.  If the vehicle owner cannot provide proof of insurance, a driver license suspension is imposed.

It is illegal to drive a motor vehicle in Missouri without automobile liability insurance. The vehicle driver must show proof of insurance to any law enforcement official, upon request, or a traffic ticket may be issued to the driver. Three things may occur for failing to show proof of insurance:

  1. The court will send the conviction to the Driver License Bureau. The conviction will be entered on the driver’s driving record and four points will be assessed. It only takes a total of eight points within an 18-month period to lose your driving privilege in Missouri.
  2. The court may enter an order of supervision. This order is sent to the Driver License Bureau so that the driver can be monitored to ensure automobile liability insurance is being maintained.
  3. The court may enter an order suspending the driver’s driver license for failing to show proof of insurance. This order is sent to the Driver License Bureau at which time the driver is notified of the suspension of his or her driver license.

At MJM Insurance® of St Louis City,  we know vehicle insurance and get you the most discounts possible. Our satisfied customers know we find the lowest rates for their vehicle coverage on Personal Vehicles, Personal Vehicles with Business Use (i.e., for job site visits or sales calls) and for Independent Contractor with Commercial Vehicles. We shop it all. We always give you the lowest rate we can find.

We are physically located in St. Louis, MO and also serve customers in Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton.  Our professional insurance agents at MJM Insurance® of St Louis City can help you get the best value for your fundamental insurance needs.

With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions. Our agents and representatives are available when you need us!  Request a policy change, inquire about a policy, get your company’s claims phone number, and more.

 

Auto Insurance Coverages St Louis Missouri

MJM Insurance® of St Louis City Can Help You Find the Right Auto Insurance

Auto Insurance Coverages St Louis Missouri | MJM Insurance® of St Louis City  (314) 645-2100If you have been searching online for “Auto Insurance Coverages St Louis Missouri ,” you have reached your destination.  This article has been written to provide a brief overview of auto insurance coverages available in Missouri.  Auto insurance coverages can be quite confusing and trying to figure out what deductibles and coverages are best for you can be very challenging.   With hundreds of auto insurance companies and the many different policies, the best car insurance purchase decision is often made with the help of a local, professional insurance agent.  Our insurance agents at MJM Insurance® of St Louis City are ready to help!

Many factors are involved in determining auto insurance rates.  Driving records, age of drivers, value of cars, location of residence, credit scores, and many others.  Life changing events also may have an impact on your insurance needs. You should discuss any life changes with your MJM Insurance® of St Louis City agent when any of the following occur.

 

Auto Insurance Coverages St Louis Missouri:   The types of life changing events

  • Changes in your employment
  • Marital status
  • Credit score  (good or bad)
  • More than 3 years since a Moving Violation
  • Or recently received a Moving Violation
  • Moved to a New Zip Code
  • Purchased a new home
  • Started a family
  • Changed the Number of vehicles you own

Any of these events can change your insurance rates. You owe it to yourself to purchase the best coverage for the best price.  St Louis City Missouri Auto Insurance coverages have many components and rates vary from company to company, and sometimes insurance companies have better rates or offers in certain demographics.  Just because your current carrier offered the best price 2 years ago doesn’t mean they are still the best buy.

In order to have the best coverage, you will want to talk with your auto insurance agent about the types of auto insurance coverages that are right for you. If you don’t get the right coverage, you may be taking an unnecessary financial risk, or you may be paying for coverage you do not need.

There are many types of coverages and the following list will help you understand each type of auto insurance so you can make the right decision that meet your needs.

 Auto Insurance Coverages St Louis Missouri:  Types of Liability Coverage

All Missouri drivers are required to purchase and maintain minimum amounts of liability coverage. Liability insurance coverage is typically a required type of car insurance. Even in the rare state that does not require liability car insurance, you may find that having liability insurance is worth the financial security.

Liability insurance is composed of the following coverage types:

  • Bodily injury coverage – pays for injuries suffered by others in an accident you caused.
  • Property damage coverage – pays for damage you cause to another person’s property (typically their vehicle) in an accident.
  • $25,000 for bodily injury, per person.
  • $50,000 for total bodily injury (when multiple people are injured).
  • $10,000 for total property damage.

Auto Insurance Coverages St Louis Missouri:  Uninsured Motorist Coverage

Auto Insurance Coverages St Louis Missouri  | MJM Insurance® of St Louis City | (314) 645-2100Chances are, you depend 100% of the time your car is running and gets you from point A to point B, and you rely on it completely for transportation. When something goes wrong with it, you need to be able to afford to pay for repairs.

Vehicle coverages can help act as financial protection when your car is damaged or broken down.  Remember, this coverage only pays for your vehicle damages. For comprehensive protection, remember to look into the other 2 main categories of car insurance: liability insurance (Pays for injuries and property damage to others in an accident you cause.) and medical coverages (Helps pay for medical care after you or your passengers sustain injuries in an accident).

Missouri also requires drivers to hold uninsured motorist coverage for bodily injury at the same minimums as those listed for liability coverage.  Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident.  Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident. Your own injuries or property damage are not covered through liability insurance.

Auto Insurance Coverages St Louis Missouri:  Medical Car Insurance Coverage

Medical coverage is one of three main groups of car insurance coverages that also include liability insurance and vehicle coverages.  Medical car insurance coverage helps pay for costs you encounter after you or your passengers are hurt in a car accident.  The two main types of medical coverage are Medical payments coverage and Personal injury protection.  Medical Payments Coverage will help pay for your medical bills after you are hurt in an automobile accident. Medical payments will help pay for funeral costs. Unfortunately, the Institute for Hwy Safety Fatality reports nearly 25% of ALL car accidents end in death. Coverages also include injuries suffered by your passengers, injuries you sustain as a pedestrian or bicyclist if you are hit by a car, and necessary dental care resulting from a car accident.

Details may vary depending on your car insurance company. Call and discuss your options with an MJM Insurance® of St Louis City agent to learn more about their medical payments coverage.

Auto Insurance Coverages St Louis Missouri:  Comprehensive and Collision Coverages

Comprehensive Insurance Coverages, sometimes referred to as “other than collision,” will cover damages to your car generally caused by non collision incidents. These coverages may vary with different insurance companies, but you will generally be covered for damage from fire, theft, vandalism, falling objects, animal or fowl, and natural disasters. Comprehensive also covers glass breakage.   Collision Insurance Coverage will help pay for repairs to your car caused by hitting or colliding with an object.

Comprehensive and collision coverages are optional coverages; however, they are typically required as part of a car loan or lease agreement.

When you cause an accident, your first concern will probably be how you’ll pay for the other driver’s damage. If you have liability coverage, this will hopefully cover all of those costs. However, if liability is the only protection you have, you could be left with no way to pay for your own damages.

Auto Insurance Coverages St Louis Missouri:  Other Auto Insurance Coverages

There are many other auto insurance coverages, some of which will qualify you for additional auto insurance discounts. These coverages include Emergency Roadside Assistance, GAP Insurance, and Rental Reimbursement Coverage.

You can learn more about these coverage types, and additional coverages by visiting our webpage, Auto Insurance, and reading the Bodily Injury and Property Damage Coverage page in your policy.  More information about auto insurance coverages and requirements by law can be found online at Missouri Department of Revenue.  Contact us for your free, no obligation risk evaluation.