Types of Auto Insurance in MO
Auto insurance can be broadly classified into two categories: liability and collision. Liability insurance pays for causing injuries to other people or damages you cause to another person’s property. Collision insurance pays for damage done to your own car.
If you are in an auto accident with an uninsured motorist, you may regret meeting the minimum car insurance requirements rather than getting collision coverage. A local lawyer can explain what types of coverage may be right for you.
What Does Liability Insurance Cover?
This type of auto insurance covers the cost of any damage you may cause to the property or injury you may inflict on another person in an accident, no matter who was at fault. The amount of coverage you will need depends on your financial situation and the state in which you live.
Missouri requires drivers to have minimum liability coverage to ensure they can fulfill their financial responsibility in the event of a car accident.
What Does Collision Insurance Cover?
Collision insurance covers the cost of repairing your vehicle after an accident, regardless of who caused it. Collisions are not covered by liability insurance; drivers must have their own collision policy in addition to their liability policy.
How Can an Attorney Help After a Car Accident?
You need to contact an attorney immediately whenever you’ve been involved in a vehicle accident. Your attorney will assist you in contacting both your own and the other driver’s insurance companies. All information concerning the accident, such as injuries, damages, and witness contact information, should be given to the insurance company.
For the protection of their interests, insurance companies have teams of claims adjusters, investigators, and attorneys. Regardless of what the insurance company tells you, they will not offer you the proper value for your damages. To ensure your damages are fairly compensated, it is vital for you to have a strong legal team on your side too.
An experienced Joplin car accident lawyer knows the laws governing your accident claim, including negligence, comparative fault, and damages. Additionally, your attorney will be able to investigate the accident and collect evidence to prove fault and liability. Contact Buchanan, Williams & O’Brien, P.C. now for a free consultation with a personal injury lawyer who knows how much your damages are worth and will aggressively pursue that amount in settlement negotiations or a trial.