When you’re in Saint Charles, MO, it’s important to adhere to state minimums for auto insurance. If you are buying or leasing a vehicle, the lienholder may have a few requirements of their own, too.

The state of Missouri requires you to have liability insurance. This includes a $25,000 minimum for the physical injuries of one person and double that for the total bodily injury (or death) in an accident. Then, there needs to be another $10,00 for property damage per accident. All of this is for an accident caused by the person driving the insured vehicle.

At Nieroda Insurance Agency, we recommend seeking out more than the minimum auto insurance coverage. It can eliminate problems should you need to file a claim. Plus, it can reduce your out-of-pocket expenses if you are at fault for an accident.

You may want to have collision and comprehensive coverage so that you are protected against more scenarios. This would include colliding with a mailbox or getting hit in a parking lot without knowing who the other driver was. Anything can happen on and off the road, so it’s best to be covered.

If you have a lienholder, they may have specific coverage limit that you need to meet for liability, collision, and comprehensive coverage. Further, you may need to show them proof of insurance.

It’s important to have auto insurance that you can rely on. While you have no choice but to meet state minimums, you can choose to increase your coverage levels to higher amounts. You need to do what’s right for you and your budget, which is how an agent can help.

Contact us at Nieroda Insurance Agency today. One of our independent insurance agents can talk to you about the auto insurance minimums in Saint Charles, MO and make recommendations for other coverage.