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Auto Insurance Quote St Louis Missouri​

MJM Insurance of St Louis Missouri Enhances Insurance Quote Automation for Buyers

Instant Auto Insurance Quote | MJM Ins of St Louis City | (314) 645-2100Through a new auto insurance quote engine on our website, MJM Insurance of St Louis now offers the ” Auto Insurance Quote St Louis Missouri​ ” platform.  This platform provides instant auto insurance quotes from multiple carriers.  As an Independent Insurance Agency, our licensed insurance agents have access to more than 15 different personal and commercial line insurance carriers.  This new system makes shopping for insurance easier for the consumer.

Missouri Residents click here for direct access
to the new automated quoting system!

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Alternatives Insurance of St Louis City is Now MJM Insurance of St Louis

Channel 12 News - MJM Insurance of St Louis City (314) 645-2100 MJM Insurance of St Louis - Auto Insurance, Home Insurance (314) 645-2100

READ THE FULL ARTICLE AS PUBLISHED ON CHANNEL 12 NEWS

Marc Majnerich, co-founder of Alternatives Insurance Group, is re-branding Alternatives Insurance of St Louis City to MJM Insurance of St Louis. Alternatives Insurance of St Louis City opened in 2002 as a full service independent insurance agency and a corporate location member of Alternatives Insurance Group, a group membership organization of local St Louis area insurance agencies founded in 1992. MJM Insurance as a whole, is the single largest annual net written premium volume agency of the Alternatives Insurance Group.

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St Louis MO Auto Insurance Quote

Valuable Protection at Your Speed and Budget

St Louis MO Auto Insurance Quote by MJM Insurance of St LouisMany of us are chasing time, where does it go?! We’re busy with work, picking up the kids, grocery shopping, and so on. When we sit down to pay the bills – we wonder where all the money has gone! MJM Insurance of St Louis can help you save time and money with our new online quoting system. In about 2 or 3 minutes our automated system will calculate your St Louis MO Auto Insurance Quote!

With this awesome software, you’re able to save time and find that you might be able to save money!   Our agents proudly represent many of the industry’s leading insurance carriers so we can offer you competitive rates through Travelers, Safeco, EMC, MetLife, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.

After you process your quick quote, one of our agents will be in contact to help speed the process along.  Auto Insurance is not just a simple commodity, there are many factors to take into consideration and understand all of them can be overwhelming when 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.  So, with your information, we take the shopping to the next level and finalize the coverages, and price that best meets your needs.  We will shop your auto insurance for you and save you time.  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.

St Louis MO Auto Insurance Quote

Auto Insurance prices vary for each individual, family, college student, professional, homeowner, etc. For example, people with good driving records pay less than a driver with traffic violations or collisions where they have been at fault.  Prices will also vary depending on where the driver lives.  A person who lives in a major city such as St Louis, will pay more than someone who lives in a small town, despite the two having the same driving records.  

St Louis MO Auto Insurance Quote by MJM Insurance of St Louis by MJM Insurance of St LouisMJM Insurance of St Louis is a full service independent insurance agency representing many of Missouri’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the St Louis Missouri insurance industry, our agents are knowledgeable and competent specializing in Missouri Auto Insurance, Home Insurance,  Renters Insurance, Business Insurance, Workers Compensation Insurance, boat and motorcycle insurance.

You can trust that our agents have strong credentials and stay on top of current trends in the insurance industry.  We maintain relationships with insurance carriers, that allow us to provide quick turnaround time on all your questions, needs, and insurance claims.  

MJM Insurance of St Louis is committed to outstanding customer service.  We pride ourselves knowing that we offer the best insurance products at an affordable price that meets your needs. Our professional agents can handle your transactions with ease and help you understand your risks, the proper coverage, and benefits. 

Our staff members are trained to be proactive and provide the right answers, helping you understand your auto insurance coverages. Most importantly, we will earn your trust by becoming your partner. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.


Why Choose MJM Insurance of St Louis

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance of St Louis team that really set us apart from the competition. 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.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance of St Louis have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance of St Louis has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

Missouri Auto Insurance Roadside Assistance Options

Insurance Carriers Offer Different Packages, Which Roadside Package Should You Choose?

Missouri Auto Insurance Roadside Assistance Options | MJM Insurance of St Louis City | (314) 645-2100We all hope that we’ll never need roadside assistance, but life happens! So you’re buying an auto insurance policy and have the option to select roadside assistance. But is it the best for your situation?  Not all insurance companies provide the same Missouri Auto Insurance Roadside Assistance options. Each carrier offers their own package and this article explains the pros and cons of roadside assistance options from different carriers.

This article outlines general policy descriptions to help you understand the different types of Missouri Auto Insurance Roadside Assistance options. They are not intended to modify any provisions in any contract of insurance.  Example of Roadside Assistance options include, but are not limited to the following:

  • Towing – not all Roadside Assistance plans are open 24/7.
  • Tire Changes – may require that you have the spare tire.
  • Lockouts – open car door or replace the lock for a nominal fee that is not included.
  • Lost-key Replacement – only if the key can be made at the time of service.
  • Fuel Delivery – up to a set number of gallons. A lot of times we see up to 1 gallon of gas.
  • Jump Start Battery Service – free battery test and jump start to get you to the closest garage or your destination.
  • Minor Roadside Repairs – at the site of disablement; e.g.,  loose hose connection, reattach loose parts.
  • Trip Interruption – pays for overnight stay and food if you are stranded while your vehicle is being repaired.

Some plans offer extras:

  • Roadside assistance when you’re on your bicycle.
  • Discounts for drivers who own hybrid cars.
  • Coverage for re­doing any repair that fails within six months or 6,000 miles.
  • Reimbursement for services you arrange on your own.
  • Coverage for rental car breakdowns.
  • Coverage for you, your spouse, and children under 21 living at home.

Missouri Auto Insurance Roadside Assistance Options | MJM Insurance of St Louis City | (314) 645-2100Additionally, different carriers offer different pricing tiers.  Some providers offer a yearly membership plan and some carriers have a pay-per-use roadside service option.  Pay-per use roadside assistance is typically billed at a higher rate than an annual plan or option in your auto insurance policy.  Average price for pay-per-use ranges between $59 for non-tow services and $129 for towing service, and some carriers restrict the number of tows per year.

When you are researching Missouri Auto Insurance Roadside Assistance options, be sure to ask about the number of miles included in the towing service. Some carriers offer up to 200 miles of towing, while some carriers charge $75 for only 50 miles. Furthermore, some towing companies may tow you to a location of your choosing, while others take you to the closest repair shop.  If your Missouri Auto Insurance Roadside Assistance coverage lets you choose your towing destination, find out if you will be charged if you exceed mileage limits.

Generally, tow truck drivers are contracted by the insurance company.  The insurance provider may exclude liability for any damage, injury or loss resulting from the negligence of the independent service facility.  Independent contractors are solely responsible for their actions. Any arrangements made between the towing company and the insured is considered outside of the covered services and are not covered by the insurance company.

There are many restrictions to Missouri Auto Insurance Roadside Assistance services. Some of them are noted below; however, each carrier is different. Just be sure to ask your agent what services are restricted in your auto insurance policy.Missouri Auto Insurance Roadside Assistance Options | MJM Insurance of St Louis City | (314) 645-2100

  • Service on taxis, buses, moving trucks, limousines or step.
  • Service to unregistered vehicles that are not legally driveable.
  • Services to vehicles which the service provider has determined to be unsafe.
  • Service to a vehicle which is snowbound.
  • Service on a vehicle to which a plow is attached.
  • Service to an unattended vehicle.
  • Service for a vehicle located at a repair facility.
  • Removal of a vehicle from a closed repair facility.
  • Limited number of tows per disablement.
  • Requests to tow a vehicle from the street to the driveway.
  • Tire service for dual-rear wheel trucks or vans.
  • Towing of utility trailers attached to a covered vehicle.
  • Towing not related to an accident.
  • Delivery of diesel fuel.
  • No coverage for towing as a result of flood or fire.

An example of a particular restriction we found with an insurance carrier is given below:

Trip Interruption expense reimbursement qualifications:  Your vehicle must be involved in an accident in the United States or Canada, 200 miles or more from home, while on a trip planned to include at least 1 overnight stay and, due to the accident, your vehicle must be inoperable for a minimum of eight hours.

When we breakdown or need roadside assistance, we don’t have time to think about the
restrictions… Am I far enough away from home? … Will my vehicle be repaired in less than 8 hours? … How far will the tow truck driver take me?

Consult with our professional agents to determine which package is best for you. Some auto insurers consider calls for roadside assistance to be negatives, just like accident claims. We can help you choose a plan with the most generous towing allowance and trip-interruption benefits.

Give us a call today and we will review your Missouri Auto Insurance policy at no charge. Click here to contact us or call our office at (314) 645-2100.

Why Choose MJM Insurance of St Louis City?

MJM Insurance® of St Louis City is a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial insurance carriers. We assess risks and shop for companies to find the best coverage for the lowest price. With a combined experience of over 60 years in the St Louis Missouri insurance industry, our agents are knowledgeable and competent specializing in auto, home, renters, boat, motorcycle, business automobile, workers compensation, and general liability.

We serve all of Saint Louis City and County including 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.

MJM Insurance of St Louis City is a Member of the Trusted Choice Network
We proudly represent many of the industry’s leading national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.

For our clients’ convenience, our agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9am to 6pm. We are dedicated to providing the most exceptional and timely customer service in the industry.

Contact us for your free, no obligation risk evaluation.

Tow Truck Insurance in St Louis Missouri

We Will Shop Your Tow Truck Insurance in St Louis Missouri for You!

Tow Truck Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100MJM Insurance of St Louis City helps business owners with their transportation insurance needs.  Our licensed agents have the knowledge that is needed to help to truck owners and operators understand the different options, and requirements, for Tow Truck Insurance in St Louis Missouri.  We work with a variety of towing service companies throughout the St Louis area including Saint Louis and Jefferson counties, Chesterfield, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair.

Tow truck service companies and individual owner operators MUST carry tow truck insurance. Failure to keep the minimum insurance requirements on your tow truck could result in fines and/or you could have your commercial driver’s license suspended.  Our agents can help you get on track so you do not risk losing your livelihood.  As a your partner, it is important to make certain you and your business are protected if there should be an accident.

For current business owner and operators, our agents will begin by reviewing your existing policy and assess any potential risks.  A Tow Truck Insurance policy should include the standard forms of liability insurance that all motor vehicle owners are required to carry by Missouri law.  Those insurance coverages include Bodily Injury – in case you cause an accident, Property Damage covers your legal responsibility for damages, Fire and Theft Coverage, Collision and Comprehensive Coverage and Uninsured/Underinsured Motorist Coverage.

Let’s use this scenario for example:

Employee #1, a 42-year-old male, tow truck driver had loaded a disabled vehicle onto a flatbed truck by pulling the car onto the bed via the truck winch. When the employee attempted to disengage the vehicle from the winch, the steel cable snapped and the vehicle fell down onto the bed. The employee’s left arm was struck and fractured by the vehicle’s right front tire as the vehicle fell. The employee was transported to a local hospital, where he underwent surgery for a fractured left forearm.

Employee #1 is a direct employee of the employer who operates a vehicle towing service.  Who do you think is responsible for the medical bills in this case?  What if the employee is out of work for an extensive period of time?  As for the property, who will pay for the vehicle that was damaged when it fell from the winch. Who is liable for the cable that snapped?

The answer to these questions are what business owners need to understand, not just in the short scheme of things.  As your agent we look at the overall big picture.  There is much more risk to owning and operating a tow truck business than most realize.

If a business has employees, it is the law to carry worker’s compensation insurance.  Worker’s Compensation Insurance will protect you and your employees. The inability of an employer to meet financial obligations of work-related injuries will directly impact the entire financial stability of the company.

Missouri tow truck insurance coverage options vary among Insurance Carriers, so it is important that you work with a licensed agent that represents multiple, top-rated Transportation Insurance Companies.  With access to multiple carriers, MJM Insurance of St Louis City can customize your Business Auto and Legal Liability policies to fit your Towing Service business needs.

Our agents can help you identify specialized coverages
that your business may require.

 

On-Hook Towing InsuranceTow Truck Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100
This coverage will help pay for damages to vehicles you are towing.  The on-hook coverage is generally provided by the garage keepers’ legal liability (GKLL) endorsement (see below). The GKLL limit is a blanket limit that applies to all towing vehicles on the policy.

 

Garage Keepers Legal Liability InsuranceTow Truck Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100

This will cover vehicles you are storing for clients.  The GLL insurance is usually provided as an automatic endorsement that is added to the Business Auto coverage. This liability coverage covers loss of, or physical damage to vehicles being towed, and while in your care, custody, or control and is designed for towing and wrecker service businesses.  As mentioned above, the on-hook coverage of garage keepers’ legal liability insurance provides coverage for a non-owned vehicle that you are towing.

 

Motor Truck Cargo InsuranceTow Truck Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100

Motor Truck Cargo insurance is provided via an endorsement to insure items other than motor vehicles licensed for road use.  This coverage provides legal liability for towing companies while transporting property (cargo) of others.  Since the towing operator is seen as a common carrier, they are responsible for the safe delivery of the goods they are transporting (customer’s vehicles and the contents of the vehicle), and thus owe a very high degree of care to their customer.

 

Business Income & Extra Expense InsuranceTow Truck Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100

Business income insurance & expense coverages will reimburse your towing business for loss of income and profits if your property is damaged from a covered peril and out-of-service.  The coverage continues until the property can be restored or replaced, or until the limit has been reached. The extra expense coverage includes extra expenses that business must make during the time of loss such as rent, mortgage payments, taxes, and utility services.

 

Miscellaneous Property FloaterTow Truck Insurance in St Louis Missouri | MJM Insurance St Louis City | (314) 645-2100

A miscellaneous property floater covers your business personal property that is in transit such as tools and other cargo that you have in your tow truck. This coverage will protect against risks of direct physical loss or damage to your scheduled covered property.

 

 

MJM Insurance of St Louis City is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.  Our agents go above and beyond just insurance – we help our clients understand the options available to protect their investment … and we work to earn the trust of our clients.

Contact us today for a free evaluation of your current policy.

 


 Tow Truck Commercial Insurance Filings

Because the transportation industry requires different trucking operations to file different documentation, our agents are here to help our clients with the State and Federal Transportation Insurance Filing Forms including those listed below.

Before diving into the different requirements, understanding the following definitions may help you get a clearer picture of these requirements:

  • Motor carrier – A company that transports passengers or property for compensation.
  • Freight forwarder – An individual or entity that provides transportation of property AND:
    • Assembles and consolidates shipments and performs distribution operations of the shipments.
    • Assumes responsibility for the transportation from the place of receipt to the place of destination.
    • Uses a rail, motor carrier, or water carrier for any part of the transportation.
  • Freight broker – An individual or company that arranges transportation of property by a motor carrier.

 

Federal & Intrastate Truck Filings and Forms

BMC-32 filing   |   BMC-34 filing   |   BMC-91 & BMC-91X filing   |   MCS-90 form   

Form E filing   |   Form F filing   |   Form H filing   |   Form K filing

 


Tow Truck Insurance Resources

 Federal Motor Carrier Safety Administration    |    www.fmcsa.dot.gov

US Department of Transportation    |    www.dot.gov

The National Transportation Safety Board    |    www.ntsb.gov

Directory of State Patrol and State Police    |    https://www.statetroopersdirectory.com

Missouri State DOTs and MVRs    |    www.modot.org     www.dor.mo.gov/mvdl

Tow Truck Insurance Chesterfield Missouri | MJM Insurance of Chesterfield | (636) 449-1213