Auto Insurance in Missouri

1. Liability Coverage: This is mandated by law in most states. It covers damages to other people and property if you're at fault in an accident. It includes two types:
- Bodily Injury Liability**: Covers medical expenses for injuries to others.
- Property Damage Liability**: Covers costs for damages to another person’s property.

2. Collision Coverage: This pays for damage to your own vehicle in the event of a collision, regardless of fault.

3. Comprehensive Coverage: This provides protection against non-collision-related incidents such as theft, vandalism, natural disasters, or hitting an animal.

4. Uninsured/Underinsured Motorist Coverage: This protects you if you're involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.

5. Medical Payments Coverage: Similar to PIP, this covers medical expenses for you and your passengers after an accident, irrespective of fault, but usually has a lower limit.

6. Extras and Endorsements: Many insurance companies offer additional coverage options, such as roadside assistance, rental car reimbursement, or gap insurance that covers the difference between the car’s value and the amount owed on a loan or lease.

These components can vary by provider and state, so it’s essential to review your policy and discuss coverage options with your insurance agent to ensure you have the right protection for your needs.