Did you know that car insurance is mandatory in 48 out of 50 states? Are you driving legally? The Senn Insurance Agency, serving the O’Fallon, MO area, can provide the coverage you need.
You are a careful driver. Why do you need insurance? Because it offers financial protection if you cause an accident. You will be liable for any associated expenses. They include the medical costs of the injured party or their lost wages if they cannot work. Liability coverage helps to pay for these expenses.
In addition to liability coverage, collision and comprehensive insurance are recommended. Collision insurance will cover the cost of replacing or repairing your car if you are at fault in an accident or if the other driver’s insurance does not cover the cost of your repairs. Comprehensive insurance covers damage to your vehicle after a theft, vandalism, falling trees, rogue deer, floods, etc.
Law enforcement is not very forgiving to the uninsured motorist. The suspension of your license will not be lifted until you show proof of insurance coverage. Purchasing insurance on a suspended license is ridiculously expensive. It can cost from 150% to 400% of the cost of a standard policy. It is not worth the risk.
So, unless you live in Virginia or New Hampshire, where this coverage is not mandated, you should have it. It is not worth the ramifications if you drive without it.
Contact the Senn Insurance Agency today for a no-obligation quote or answers to any questions you may have. You will be glad you did.