Optional Missouri vehicle coverages
Comprehensive
Comprehensive coverage is optional in Missouri. However, it must be included on policies that have collision coverage, and it can't be purchased without bodily injury coverage.
This coverage provides protection for:
- Damage not resulting from a collision (e.g., damage from falling objects, fire, certain natural disasters, and vandalism)
- Theft
- Glass damage
- Damage from hitting an animal
- Vehicles covered by the Missouri auto insurance policy
Who might benefit from buying comprehensive coverage?
If your car is financed or leased, the finance company will probably require that you carry this coverage. If you have a newer vehicle or one in excellent condition, you may need this coverage to replace or repair the vehicle in case of loss. If you have an older car or one in poor condition, you may not want to pay for this auto insurance coverage.
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Collision
Collision coverage is optional in Missouri, and can't be purchased without comprehensive coverage.
How much protection does this coverage provide?
- Repair or replacement cost of the vehicle that has collided with other cars/objects or has rolled over.
- Vehicles covered by the Missouri auto insurance policy
Who might benefit from buying collision coverage?
If your car is financed or leased, the finance company will probably require that you carry this coverage. If you have a newer vehicle or one in excellent condition, you may need this coverage to replace or repair the vehicle in case of loss. If you have an older car or one in poor condition, you may not want to pay for this coverage.
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Towing and labor
Towing and labor coverage is optional in Missouri. This coverage pays for the cost of towing your car if it becomes disabled. Towing and labor coverage cannot be purchased without collision coverage.
How much protection does this coverage provide?
The coverage limits you see in your quote refer to the maximum amounts that will be paid per incident, per term, respectively.
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Rental reimbursement
Rental reimbursement is optional in Missouri. Rental reimbursement can't be purchased without collision and comprehensive coverage.
What's covered?
This coverage pays for the cost of a rental car if you can't drive the insured vehicle due to theft or damage from an accident.
How much protection does this coverage provide?
The dual coverage limits you see in your quote refer to the maximum amount that will be paid per day, per accident, respectively.
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Custom parts and equipment coverage
Custom parts and equipment coverage is optional in Missouri. If you buy this coverage, you must also buy comprehensive and collision coverage.
What's covered?
Custom parts and equipment coverage is appropriate if your vehicle has permanently installed custom parts or equipment other than those installed by the original manufacturer.
Examples of custom equipment include:
- Any dealer-installed equipment that is not offered by the original manufacturer
- Special equipment on vehicles, vans, and trucks, including: running boards, brush bars, roll bars, undercarriage lighting, fog lights, bed liners, camper shells, trailer hitches, etc.
- Customized wheels, spoilers, suspensions or performance-related equipment
- Stereo, sound recording, and television equipment
- Customized paint or decals
How much protection does this coverage provide?
Within the limits you select in your quote, this coverage reimburses you for the lowest amount of the following: the actual cash value, the declared value, or the actual cost to repair.
Who might benefit from buying custom parts and equipment coverage?
Your Missouri auto insurance policy covers only the original equipment included by the manufacturer. Should your vehicle have additional equipment, accessories, enhancements, or features that alter the appearance or performance of the vehicle, it's advisable that you buy additional coverage to protect these items.
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Auto loan/lease coverage
Auto loan/lease coverage is optional in Missouri. To buy this auto insurance coverage, you must have collision and comprehensive coverage and your car must also be financed or leased.
What's covered?
This coverage protects you if your car gets damaged. You will be reimbursed for the difference between the following items:
- The actual cash value of your car at the time of the loss, less the applicable deductible and the vehicle's salvage value (if retained by the owner or insured) and
- Any greater amount owed on the vehicle at the time of loss, less any unpaid finance charges, excess mileage or wear and tear charges, any other charges or expenses associated with the loan or lease, and the vehicle's salvage value (if retained by the owner or insured)
How much protection does this coverage provide?
Any payment under this coverage will not exceed 25 percent of the actual cash value of the vehicle at the time of the loss.