Alternatives Insurance of Chesterfield is providing a series of Missouri Auto Insurance Education resources. Understanding auto insurance coverages in Missouri could be the difference between financial security or, in extreme cases, bankruptcy. Alternatives Insurance of Chesterfield created the Missouri Auto Insurance Education Series to help consumers understand the auto insurance coverages and options available through the agency. Agents focus on solving issues related to lack of auto insurance protection, or in some cases over insured drivers.
"Missouri law requires drivers to carry insurance. It is important that drivers understand the ramifications of not having insurance. Our agents take this very seriously. We take the time with our clients to give them a better understanding to what's in their policy", said Marc Majnerich, Agency Manager.
The Missouri Auto Insurance Education series can be accessed through http://chesterfield-insurance.com/insurance-blog/. Additionally, the agency's website offers news, trends, and information regarding the insurance industry and related laws.
Missouri Auto Insurance Education - Series 1 - includes detailed 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 need to realize Missouri Auto Insurance policies are contracts between the insured and the insurance company. So long as the premiums are paid, the policy is designed to pay claims for each person injured in an accident, and limits the total paid per occurrence.
The agency website outlines collision insurance, how it pays for damages to a vehicle when there is a collision with object. Alternatives Insurance of Chesterfield stresses the necessary components of comprehensive insurance that protect drivers from damage other than a collision.
Missouri law requires drivers to carry uninsured/underinsured motorist insurance to protect themselves in a case where another driver does not have enough insurance, or any insurance. According to the Insurance Information Institute, State insurance departments and insurance companies are using new techniques to combat the uninsured motorist problem, including using electronic means to verify auto insurance quickly.
The percentage of uninsured motorists declined nationally from 13.8 percent in 2009 to 12.6 percent in 2012, according to Insurance Research Council (IRC) estimates reported in its 2014 study. The IRC measures the number of uninsured motorists 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 Chesterfield continues to work with Missouri residents to identify the Missouri Auto Insurance coverages that are right for their situation, family or business and use resources available from multiple companies to deliver those products. Agents are available to discuss Missouri auto insurance and provide the necessary resources.
Alternatives Insurance of Chesterfield opened in 2002 as a full service Independent Insurance Agency and a corporate member of Alternatives Insurance Group, an organization of local St Louis area insurance agencies founded in 1992. Their licensed Producers have a combined 60+ years of experience and are dedicated to providing tools, resources and education. Visit [Missouri Auto Insurance Education](http://chesterfield-insurance.com/missouri-auto-insurance-education/) on the Alternatives Insurance of Chesterfield Blog to learn more.
The information in this press release is general in nature, intended to provide basic information about Missouri auto insurance. Any description of coverage, discounts and practices is necessarily simplified. Actual coverage is subject to the terms, limits and conditions of the particular policy. Coverages, limits, deductibles and discounts vary by state and by company, and are subject to availability and individual eligibility.
