Will My Auto Policy Provide Me With Enough Coverage?

Your car is a very important asset that may be a necessity and can also be expensive to purchase. Most people are aware that they need to have auto insurance on their vehicle, but they may not know if they have enough coverage. There are several factors that car owners in the Lees Summit, MO area need to consider when trying to figure out whether or not they have the right level of auto insurance coverage.

State Requirements

When you are first trying to figure out if you have enough auto insurance coverage, you first need to make sure that you are in compliance with the state laws. Missouri has mandatory levels of liability coverage that all drivers need to have. When driving on the road in Missouri, you will need to have liability property damage coverage of at least $10,000 and liability bodily damage of at least $25,000 per injured person with a minimum per-incident cap of $50,000.

Cover Your Vehicle

While the law does not necessarily require it, you will also want to make sure that your vehicle is covered in the event of an accident, theft, or damage. Ideally, you should have enough collision and comprehensive coverage to pay off any car loan that you have and to reimburse you for any equity that you have in your vehicle. This will ensure you are protected against a financial loss. 

If you own a car in the Lees Summit, MO area, you should reach out to the Epic Insurance company to further discuss your auto insurance needs. The team at Epic Insurance will be able to work with you to determine what type of insurance coverage properly meets your needs to ensure you have the right type of coverage. They will then help you get into a great policy to give you peace of mind.