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Auto Insurance Information
Auto Insurance in Missouri & Kansas
Protecting Missouri & Kansas Drivers against Risk
Buying a car is one of the most expensive purchases you make. Making sure you have proper auto insurance coverage is essential in assuring you have the right protection for your car in the case of an accident.
Missouri motor vehicle owners are required to show proof of insurance when registering a vehicle and renewing their license plates. Liability insurance covers your legal liability when injuries or property damage happen as a result of your actions.
The minimum level of coverage required by state law is:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $10,000 per accident for property damage
The law also requires you to have uninsured motorist coverage of:
- $25,000 for bodily injury per person and
- $50,000 for bodily injury per accident.
Missouri and Kansas drivers face a variety of risks, including vandalism, fires, slippery roadways, and reckless motorists, amongst others. Wherever you may be, these dangers can always around the corner. Insurance provides the protection necessary to avoid the consequences attached to these risks.
At Summit Insurance Group, we host a complete auto insurance program, covering almost any driver and any vehicle through this program. From personal and business autos to farm and classic autos, we keep motor vehicles that are on or off the road fully secure. We’ll customize a policy for you, and as result you’ll have the best insurance for the right price.
What is auto insurance?
Auto insurance assists you financially in covering vehicle damage costs in the unfortunate case of an accident. It is a paid agreement between you and your insurance provider. After filing a claim following an accident, your provider will step in and assist you in covering significant damage costs depending on what you are responsible for.
Auto Insurance Coverage Details
Missouri and Kansas both have minimum auto insurance liability limits and meeting these limits is imperative. We recommend that all drivers get auto insurance that far exceeds these limits, however, because in the end, the costs of comprehensive insurance are much lower than the costs of significant losses.
As part of a network of carriers we can give you the auto insurance options that you need in order to stay secure. These options include:
Uninsured & Underinsured Motorist Coverage
Minor Violation Forgiveness
Specialty Auto Insurance
24-Hour Customer Service
Personal Injury Protection (PIP)
Mexican Auto Insurance
Medical Payments Coverage
We advise our clients to take advantage of benefits and/or discounts that save money and time if eligible. We’ll help you find out if you’re eligible for benefits and discounts that we want to provide. Just contact an agent to get started.
Why do you need car insurance?
You are required to have at least some type of auto insurance policy in most areas. However, settling for the bare minimum coverage just to have it can jeopardize the future of you and your vehicle. It’s important to get adequate coverage to assure the safety of your future in the case of an accident. We will help you in finding the best policy for you and your specific scenario.
Here are some things to consider as you select your coverage:
- How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
- What is the insurance company's level of service and ability to pay claims? (Some might be more convenient for you than others).
- What discounts are available? (Ask about good driver, multiple policy and student discounts.)
- What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Service and Support tailored to Missouri and Kansas Drivers
We’re an independent agency and therefore shop on your behalf for the right coverages. We always provide personalized services, which captive agents simply can't match. We’re local and we know your needs, enabling us to give you appropriate premiums and deductibles.
We look ahead to what you might face and we prepare you for it. We also educate you. If there’s something that you should know, we make sure that you know it.
Please contact us or give us a call to learn more. You can request a quote if you’re ready to get started.
Additional Auto Insurance Information:
Summit Insurance Group provides car insurance to drivers near Lees Summit, Independence, Blue Springs, Kansas City, Overland Park, and Olathe.