Welcome to Auto Insurance Discounters:
Raytown, MO Auto Insurance
Having an auto insurance policy is essential for car owners, and at least some type of liability insurance is required in the state of Missouri. A lot of responsibility comes with owning a car. Anything can happen while you’re out on the road, including costly accidents. Having an auto insurance policy can help protect you from paying significant expenses if an accident occurs while you’re driving or while your car is stationary.
What Is Auto Insurance?
Auto insurance is like a security blanket. It prevents you from covering large out-of-pocket expenses if you’re involved in an accident or your vehicle is stolen or damaged. You pay a monthly premium and, in return, you’ll receive financial assistance if you’re ever in an accident and need help covering expenses.
What Does Auto Insurance Cover?
Coverage can vary from owner to owner. Generally, an auto insurance policy might include the following coverages:
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Liability coverage (including bodily injury and property damage liability) helps cover expenses when the policyholder is legally responsible, including damages, medical bills and court costs.
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Uninsured and underinsured motorist coverage helps cover damage or injury caused by another motorist who is not properly insured.
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Medical payments and personal injury protection (PIP) coverage helps cover medical expenses for the policyholder and possibly passengers following a car accident.
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Comprehensive coverage helps cover damage from events such as fire, theft and vandalism.
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Collision coverage helps cover damage after a collision with other vehicles or objects.
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Replacement cost or gap coverage helps cover the replacement value of a severely damaged car rather than the lesser, depreciated value.
Learn more about auto insurance policies that may be available to you, as well as other optional coverage riders, by contacting our agency today.
Call Today
For more information on auto insurance policies, be sure to contact Auto Insurance Discounters. We are here to help the car owners of Raytown learn more about auto insurance coverage so they can make the best decision on a policy.
Call one of our agents today at 866-288-6545.
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