{"id":28,"date":"2019-08-13T02:00:00","date_gmt":"2019-08-13T14:00:00","guid":{"rendered":"https:\/\/www.focusinsurance.net\/blog\/?p=28"},"modified":"2019-08-13T11:44:40","modified_gmt":"2019-08-13T17:44:40","slug":"when-minimum-liability-coverage-doesnt-cut-it","status":"publish","type":"post","link":"https:\/\/www.focusinsurance.net\/blog\/when-minimum-liability-coverage-doesnt-cut-it\/","title":{"rendered":"When Minimum Liability Coverage Doesn\u2019t Cut It"},"content":{"rendered":"<p><span style=\"color:rgb(18, 18, 18); font-family:arial,sans-serif\">In Missouri, drivers are required to carry two types of auto insurance:&nbsp; liability and uninsured motorist.&nbsp; Minimum liability amounts are defined by the state as 25\/50\/25.&nbsp; The first 25 represents $25,000 in bodily injury for each person.&nbsp; Fifty thousand is for bodily injury per accident.&nbsp; The final $25,000 is for property damage.&nbsp; While this seems like a lot of coverage, liability insurance only covers the medical expenses of the other person in an accident where you&rsquo;re are at fault.&nbsp; In the Eureka, MO area, the agents at Focus Insurance can answer all your questions.<\/span><\/p>\n<p><span style=\"color:rgb(18, 18, 18); font-family:arial,sans-serif\">If you cause an accident, your liability insurance will cover the other person&rsquo;s expenses.&nbsp; You will be responsible for your own medical and repair costs out of pocket.&nbsp; Moreover, if their medical expenses exceed the policy cap, they have the right to sue you for the additional funds.&nbsp; In that case, you will also be responsible for their legal fees.&nbsp; Suddenly those minimum liability insurance coverage limits seem rather limiting. &nbsp;<\/span><\/p>\n<p><span style=\"color:rgb(18, 18, 18); font-family:arial,sans-serif\">To protect yourself financially, the better option is a more comprehensive insurance policy.&nbsp; A comprehensive and collision policy will take care of you even if you are hit by an uninsured\/underinsured motorist.&nbsp; It will cover your repair costs and medical expenses.&nbsp; Many policies will also provide a rental car while your own is being fixed.&nbsp; If the vehicle is a total loss, it will pay to replace it in most cases.&nbsp; It will also support you if the vehicle is stolen.&nbsp; It&rsquo;s easy to see that for a small investment, this is a better, safer option for you and your family.<\/span><\/p>\n<p><span style=\"color:rgb(18, 18, 18); font-family:arial,sans-serif\">The team at Focus Insurance work with drivers throughout the Eureka, MO area.&nbsp; Don&rsquo;t wait until an accident happens, visit them today to discover the better way to protect yourself and your car.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In Missouri, drivers are required to carry two types of auto insurance:&nbsp; liability and uninsured motorist.&nbsp; Minimum liability amounts are defined by the state as 25\/50\/25.&nbsp; The first 25 represents $25,000 in bodily injury for each person.&nbsp; Fifty thousand is for bodily injury per accident.&nbsp; The final $25,000 is for property damage.&nbsp; While this seems [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[7,8],"class_list":["post-28","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-eureka-mo","tag-focus-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.focusinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/28","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.focusinsurance.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.focusinsurance.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.focusinsurance.net\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.focusinsurance.net\/blog\/wp-json\/wp\/v2\/comments?post=28"}],"version-history":[{"count":1,"href":"https:\/\/www.focusinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/28\/revisions"}],"predecessor-version":[{"id":29,"href":"https:\/\/www.focusinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/28\/revisions\/29"}],"wp:attachment":[{"href":"https:\/\/www.focusinsurance.net\/blog\/wp-json\/wp\/v2\/media?parent=28"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.focusinsurance.net\/blog\/wp-json\/wp\/v2\/categories?post=28"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.focusinsurance.net\/blog\/wp-json\/wp\/v2\/tags?post=28"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}