In Missouri, every vehicle must be covered with insurance in case of an accident. Like most states, it has its own requirements about which types of coverage you have to have and how much the maximums of those coverages should be. If you aren’t sure that you’re driving legally, or you want to raise your auto insurance maximums, contact us at Luebbering Insurance Agency LLC in Jefferson City, MO to talk about your coverage.

Liability Auto Coverage

For Missouri drivers, the bulk of the coverage types that are mandatory are about your liability to others when you have been in an accident that was your fault. These coverage types include a set minimum amount for bodily injury when one person becomes injured in an accident. There is another minimum required when an accident injures more than one person. There is a different minimum required for coverage against your property damage liability for vehicles and buildings that have been damaged. This coverage is only for other parties, though, and does not cover your vehicle’s damage.

Uninsured Motorist Auto Coverage

The rest of the mandatory coverage types are covered for when you are in an accident with someone who does not have insurance. Though insurance is mandatory by law, there are some motorists that let their insurance lapse or simply hope to get away with not having any. When this happens, you will be glad that you are covered for their liability. There is one required insurance coverage for bodily injury when one person has been injured and another required minimum for when more than one person in the accident is injured. 

Get Your Auto Coverage

You never want to be caught without the proper auto insurance. Not only does the insurance protect you from paying out huge sums after an accident, but it also keeps you from the fines and other punishments drivers get when they don’t have auto insurance. If you need a policy, call us at Luebbering Insurance Agency LLC in Jefferson City, MO to learn more.