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Luebbering Insurance Agency

2717 Industrial Drive, Ste A
Jefferson City, MO 65109

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Auto Insurance in Missouri

The State of Missouri requires everyone who operates a motor vehicle to have insurance. The wisdom behind mandatory car insurance is that if you are in injured by another driver, your loss will be covered. And to some degree that holds true. But auto insurance has several complicated aspects. That‘s why at the Luebbering Insurance Agency LLC, our professionals are committed to helping members of the Jefferson City, MO, community select a policy that meets your needs. We‘ll work closely with you to avoid being underinsured in the event of a loss.

Minimum Coverage

Many people simply purchase minimum liability insurance to meet their obligation to drive. Unfortunately, the minimum coverage required is only $25,000 per person and $50,000 per accident for bodily harm in Missouri. Property damage coverage is a very low $10,000. When you consider the high cost of health care, loss of life and the price of a new car, it‘s quite possible that a minimum policy could fall short.

Uninsured or Underinsured Motorist

Because minimum insurance may not pay all of your medical bills caused by a negligent driver, you can add uninsured or underinsured motorist coverage. This would help pay any costs after the other person‘s insurance is exhausted. The other issue is that a scofflaw won‘t hesitate to get behind the wheel without proper coverage. It‘s in your best interest to protect yourself against the poor judgement of others.

Personal Injury Protection

Not many people think about getting into an accident through their own actions. But slippery highways, road hazards and other things can create adverse driving conditions. The state does not require you to have personal injury protection. However, it‘s of great importance that your own medical bills are covered under your own policy.

Creating a comprehensive auto insurance policy or upgrading and existing one means carefully considering your individual needs. At Luebbering Insurance Agency LLC, we take pride in providing members of the Jefferson City, MO, community with professional and comprehensive auto insurance. Our goal is to help you protect yourself against potential losses.

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