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Supplemental Auto Insurance Missouri

There are many types of insurance available for vehicles today; standard insurance and supplemental auto insurance. Besides the basics, there are types of supplemental auto insurance that can be purchased to better protect your vehicle.

1. Local Companies

2. Non-Owned Auto Insurance

3. Underinsured Motorist Bodily Injury Coverage

4. Underinsured Motorist Property Damage Coverage

5. Featured Local Company

1 . Local Companies

American Family Insurance
816-941-3568
7140 Wornall Rd
Kansas City, MO

Allstate Insurance Companies
314-454-3585
625 N Euclid Ave
St. Louis, MO

KC Insuranceq
(636) 337-0055
115 W Pratt Street
Desoto, MO

All Insurance No Fees
314-821-3300
12060 Manchester Rd
St. Louis, MO

877 My Insurance
314-368-9125
14575 Manchester Rd
Manchester, MO

White Jeffrey & John-Brooke Insurance
816-436-4132
8103 N Oak Trafficway
Kansas City, MO

American Family Insurance - Anthony Luebbert
816-801-8585
10010 N Ambassador DR
Kansas City, MO

American Family Insurance - Bob Trester
816-436-5200
8121 N Oak Trfy
Kansas City, MO

Liss Insurance Agency
314-432-2100
9378 Olive Blvd Ste 115
St. Louis, MO

Brooke Insurance
314-890-0090
9024 Overland Plz
St. Louis, MO

2 . Non-Owned Auto Insurance

There is a type of supplemental auto insurance that can be purchased even if one does not own a car. It is called non-owned auto insurance, and is mostly obtained by people who rent cars often. This type of insurance can give a person coverage in a rental car, if they are in an accident that causes damage to someone else’s vehicle, to that car's passengers, or even to pedestrians in the street. When you rent a car, you will be asked if you want to purchase the additional insurance. If you already have collision and comprehension on your personal vehicle, than this typically will cover a rented vehicle. If you don’t, then you will need to purchase the company’s insurance.

But this can be costly, especially if you habitually rent cars from companies. Purchasing non-owned auto insurance can really save one money. There are other benefits to this insurance, as well. You can get underinsured and uninsured coverage for accidents occurring where the other driver has little to no insurance. It will also cover medical expenses incurred to any of yours or the other driver’s passengers. Non-owned insurance is a type of supplemental auto insurance that can be purchased from most major insurance companies. For those who rent vehicles often, it can be a wise investment.

3 . Underinsured Motorist Bodily Injury Coverage

There is a type of supplemental auto insurance that can be purchased that can cover a person who is in an accident with a driver that has little or no insurance. First, there is underinsured motorist bodily injury coverage. This will cover expenses that happen as a result of an accident, if the accident is caused by a driver that does not have adequate insurance or none at all. Examples of things that can be paid for are medical bills, prescriptions, and lost wages. Whatever the difference is between the auto coverage you have and any bodily injury coverage the other driver has is what you will be given.

Uninsured motorist bodily injury coverage covers a driver if they are in an accident with another person who has no insurance at all. This type of coverage is designed to pay expenses associated with any bodily injuries that occur. Examples of these are medical bills and lost wages. The amount of money a driver will receive can be up to the limit of the coverage purchased for this issue.

Having this extra supplemental auto insurance can be very beneficial to cover unexpected medical costs associated with a driver with little to no insurance coverage.

4 . Underinsured Motorist Property Damage Coverage

Another kind of supplemental auto insurance that is available for purchase is called underinsured motorist property damage coverage. This type of coverage is used for repairs and replacements to property, mainly the vehicle involved in an accident. This insurance covers an accident that is caused by another driver who does not have sufficient insurance coverage to cover the damage caused in an accident. The difference between both the other drivers insurance and your insurance is the amount that you will receive.

Another branch of this supplemental auto insurance is called uninsured motorist property damage coverage. Repairs to a vehicle are covered with this type of insurance if a driver is involved in an accident with you and has no insurance at all. This can also cover a replacement vehicle, if necessary. There will be limits set by your policy that will determine the amount you can receive for this claim.

Again, this is a great extra coverage to have on your insurance policy. You never know what type of accident you may end up in, and if the other person will have enough insurance to fix your vehicle. It is best to make sure you are covered all the way around, no matter what the situation requires.

5 . Featured Local Company

American Family Insurance

816-941-3568
7140 Wornall Rd
Kansas City, MO
http://www.amfam.com

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Related Local Event

St. Louis Auto Show
Dates: 1/27/2010 - 1/31/2010
Location: Americas Center, St Louis
St Louis, MO
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Construction	Health	Miscellaneous	Trade Shows
Education	Holidays	Nightlife	Travel
Entertainment	Home Appliances	Online Database	Weddings
Environmental	Home Electronics	Pets	World History