Missouri Drivers are required to have auto liability insurance, such as personal injury protection (PIP).
Car insurance liability requirements vary by state, and include a minimum amount for bodily injury costs per person and per accident as well as a minimum for property damage liability. If you cause an accident, liability coverage pays those costs, up to the limits set for your policy.
In addition to required liability coverage, you may also want collision coverage to protect your investment in your vehicle. And depending upon your specific needs and risks, you may also want comprehensive coverage – now known as "other than collision." Together, collision and comprehensive can provide protection for everything from accidents to theft and vandalism.
There are three primary types of insurance coverage:
There are also several different types of coverage which may be available to you, including:
As you consider your policy needs, it is important to keep the coverage limits in mind. The costs of a severe crash can quickly exceed the limits. If that occurs, you will have to pay for costs out of your own pocket.