In Missouri, drivers are required to carry two types of auto insurance: liability and uninsured motorist. Minimum liability amounts are defined by the state as 25/50/25. The first 25 represents $25,000 in bodily injury for each person. Fifty thousand is for bodily injury per accident. The final $25,000 is for property damage. While this seems like a lot of coverage, liability insurance only covers the medical expenses of the other person in an accident where you’re are at fault. In the Eureka, MO area, the agents at Focus Insurance can answer all your questions.
If you cause an accident, your liability insurance will cover the other person’s expenses. You will be responsible for your own medical and repair costs out of pocket. Moreover, if their medical expenses exceed the policy cap, they have the right to sue you for the additional funds. In that case, you will also be responsible for their legal fees. Suddenly those minimum liability insurance coverage limits seem rather limiting.
To protect yourself financially, the better option is a more comprehensive insurance policy. A comprehensive and collision policy will take care of you even if you are hit by an uninsured/underinsured motorist. It will cover your repair costs and medical expenses. Many policies will also provide a rental car while your own is being fixed. If the vehicle is a total loss, it will pay to replace it in most cases. It will also support you if the vehicle is stolen. It’s easy to see that for a small investment, this is a better, safer option for you and your family.
The team at Focus Insurance work with drivers throughout the Eureka, MO area. Don’t wait until an accident happens, visit them today to discover the better way to protect yourself and your car.