Choosing the right Uninsured Motorist Coverage with an auto insurance policy that fits the needs of the consumer is crucial; the Missouri Auto Insurance Education Series provides the basics for consumers to get a head start before consulting with an agent.
St Louis, United States - October 2, 2015 /PressCable/ —
Alternatives Insurance of St Louis City Adds Uninsured Motorist Coverage to The Missouri Auto Insurance Education Series.
Alternatives Insurance of St Louis City continues their Missouri Auto Insurance Education Series for consumers, and the information can be accessed on the Alternatives Insurance of St Louis City blog. The agency’s website offers information about the insurance regulations, trends and related laws; with a comprehensive glossary of insurance terms.
“Alternatives Insurance of St Louis City educates our clients during the initial assessment, throughout the purchasing process. It is important they know the importance of Missouri Auto Insurance Uninsured Motorist Coverage, and it is the duty of our agents to take the time to help our clients to understand their options,” said Marc Majnerich, Agency Owner.
Missouri law requires insurance agents to include Uninsured Motorist Coverages in auto insurance policy contracts. Uninsured Motorist Coverage protects consumers against drivers who do not have adequate auto insurance. Furthermore, Missouri law prohibits an uninsured driver, who is the owner of the vehicle or a driver operating a vehicle who is uninsured, from collecting for non-economic damages in a civil action against an insured motorist alleged to be at fault.
Alternatives Insurance of St Louis City concentrates on solving issues related to auto insurance coverages. Understanding the various auto insurance coverages in Missouri could be the difference between protecting one’s assets and experiencing financial loss, or lost wages if one is unable to work due to an accident that results in extensive damages. The Missouri Auto Insurance Education Series explains how Uninsured Motorist Coverage protects the consumer.
Choosing the right Uninsured Motorist Coverage with an auto insurance policy that fits the needs of the consumer is crucial; the Missouri Auto Insurance Education Series provides the basics for consumers to get a head start before consulting with an agent. Missouri Auto Insurance Education – Series, part 2 – provides information about Missouri Auto Insurance policies, the different types of protection for drivers, insurance laws, state regulations, how premiums are calculated, which deductible meets the consumer budget, and clarifications of the different insurance coverages, including bodily injury liability, property damage liability, uninsured/underinsured motorist, medical insurance coverages, and more.
Consumers must know Missouri Auto Insurance Uninsured Motorist Coverage offers coverage for bodily injury and can offer coverage for damages to the vehicle. In addition to injuries to the driver, the bodily injury portion of Uninsured Motorist Coverage may also cover injuries to passengers or family members who are driving the vehicle at the time of such a crash. The coverage limits for Uninsured Motorist Coverage protection can range from $20,000 to $1 million. Missouri Auto Insurance Uninsured Motorist Coverage also covers insured damages to a vehicle that was parked and not occupied when the at-fault party is unknown.
Missouri Auto Insurance Uninsured Motorist Coverage is especially important for Motorcycle drivers. According to the National Highway Traffic Safety Administration (NHTSA), a motorcycle rider is more likely to suffer serious injury or death from an accident than occupants in a passenger car. The NHTSA also states that the motorcyclist is rarely at fault when involved in an accident.
Additionally, the Insurance Research Council (IRC) 2014 study estimates about 1 in every 7 drivers in the U.S. are uninsured. This number is equivalent to 13.8 percent of all motorists. In Missouri, about 14 percent of all drivers lack sufficient auto insurance coverage. This estimated number of uninsured motorists was based on insurance claims, using a ratio of insurance claims made by people who were injured by uninsured drivers relative to the claims made by people who were injured by insured drivers.
Alternatives Insurance of St Louis City continues to work with Missouri residents to identify the Missouri Auto Insurance coverages that are right for their situation, family or business, and utilizes resources available from multiple companies to obtain the right products. Agents are available to discuss Missouri auto insurance and provide the necessary resources.
Alternatives Insurance of St Louis City is a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial insurance carriers. With a combined experience of over 60 years in the St Louis City Missouri insurance industry, agents serve all of Saint Louis City and County including Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton.
More information can be found online at http://stlouis-insurance.com.
For more information about us, please visit http://AlternativesInsuranceofStLouisCity
Contact Info:
Name: Melanie Darian
Email: STL@alternatives.insure
Organization: Alternatives Insurance of St Louis City
Address: 5408 Hampton Ave, Suite A
Phone: (314) 645-2100
Release ID: 92791
