Missouri Auto Insurance Education Series: Uninsured Motorist Coverage by AIF

Choosing the right Uninsured Motorist Coverage with an auto insurance policy that fits the needs of the consumer is imperative. The Missouri Auto Insurance Education Series provides the basics for consumers to get a head start before consulting with an agent.

Fenton, United States – September 28, 2015 /PressCable/ —

Alternatives Insurance of Fenton Continues Their Missouri Auto Insurance Education Series with Uninsured Motorist Coverage.

“Alternatives Insurance of Fenton Agents educate our clients about 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.

Alternatives Insurance of Fenton continues their Missouri Auto Insurance Education Series for consumers, and the information can be accessed on the Alternatives Insurance of Fenton blog. The agency’s website offers information about the insurance industry, trends and related laws and a comprehensive glossary of insurance terms.

By Missouri law, an insurance agent is not allowed to issue a contract of automobile liability coverage in Missouri, without including Uninsured Motorist Coverage on the policy. Uninsured Motorist Coverage is required by law and 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 with or without permission who is uninsured, from collecting for non-economic damages in a civil action against an insured motorist alleged to be at fault for an accident.

Alternatives Insurance of Fenton focuses 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 suffering financial loss, or wages if one is unable to work due to an accident that results in extensive damages. 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 imperative; 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 – continues providing information about Missouri Auto Insurance policies, the different types of protection for drivers, insurance laws, state regulations, breakdown of premiums, how to choose deductibles, 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. This type damage often occurs in parking lots and with vehicles parked along a street curb.

Missouri Auto Insurance Uninsured Motorist Coverage is imperative for Motorcycle drivers. According to the National Highway Traffic Safety Administration (NHTSA), a motorcycle rider is 35 times 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 any or 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 Fenton 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 deliver those products. Agents are available to discuss Missouri auto insurance and provide the necessary resources. More information can be found online at http://fentoninsurance.net/auto-insurance/.

Alternatives Insurance of Fenton opened in 2002 as a full service Independent Insurance Agency and a corporate location member of Alternatives Insurance Group, a group membership organization of local St Louis area insurance agencies founded in 1992. Agents serve all of Saint Louis and Jefferson counties including Fenton, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair.

For more information about us, please visit http://AlternativesInsuranceofFenton

Contact Info:
Name: Jeffery DeClue
Email: fenton@alternatives.insure
Organization: Alternatives Insurance of Fenton
Address: 1101 Gravois Rd, Ste D
Phone: (636) 343-5000

Release ID: 92379