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Auto Insurance: Comprehensive and Collision Basics for Missouri Drivers

Missouri motorists enjoy driving on scenic roads in a picture-perfect state that offers breathtaking views of majestic sights like the mighty Mississippi. 

The guide below explains how savvy motorists are fully protecting their auto investments with comprehensive and collision insurance from Senn Insurance Agency! 

Get Beyond Basic Protection with Comp and Collision!

Local car owners who want to protect their automobiles with the highest level of protection choose comprehensive and collision insurance as a step up from liability-only policies, which satisfy basic state minimums. 

Why Drivers Choose Comprehensive and Collision Insurance for Total Protection 

Missouri drivers who want to satisfy basic state minimums by investing in liability policies that protect their finances and other drivers from legal liability claims, personal injury claims, and claims for medical damages can opt for basic insurance coverage. 

Drivers who want to protect their investments totally from auto accidents, animal collisions, automobile theft, and natural disasters can get comprehensive and collision coverage to satisfy these extended insurance requirements. 

Full coverage insurance benefits protect local motorists from various collision and non-collision-related incidents. 

Comprehensive policies also have add-on options like emergency roadside assistance, towing, and umbrella insurance extensions. 

Be Proactive and Get an Auto Insurance Quote Today! 

If you’re worried about having full coverage insurance for your auto and don’t know where to begin, contact our office. A licensed insurance agent can offer tips and advice on choosing the best comp and collision policies to meet your driving needs. 

Please don’t wait until a costly automobile accident leaves your vehicle and your finances in shambles. Be proactive by contacting the licensed and knowledgeable agents at Senn Insurance Agency in O’Fallon, MO, and get a comprehensive insurance quote today! 

What could happen in Missouri if I don’t have auto insurance?

Owning a car is a good idea for those living in the O’Fallon, MO area. When you have a car here, you will be able to get around the community and experience all that it has to offer much more efficiently. When you choose to buy a car, you need to have insurance. If you do not have insurance, you can face various potential consequences. 

Penalization

One consequence of not being insured properly is that you can face penalization. If you choose to drive a car and do not have insurance, you will be in violation of state law, which, at a minimum, requires you to carry a certain level of liability insurance. If you are caught driving without it, you can be fined or even lose your privilege to drive a car for a period of time. 

No Coverage

Another consequence of not having insurance is that you will not have coverage or support. If you are at fault in an accident, the cost to cover damage to your vehicle and the other driver can be significant. If you neglect to carry this insurance, you will not have any support and will have to cover all such costs out of your own financial resources. 

When buying a car in the O’Fallon, MO area, you also need to get the right insurance. When shopping for a new plan here, you can get all the guidance you need by contacting our team at the Senn Insurance Agency. We can answer any questions you have and help ensure you get into a plan that is right for your situation. 

Three Important Steps to Take Following an Accident

Senn Insurance Agency, here in O’Fallon, MO, is proud to serve our community. If you have questions about insurance, our team is here to answer them. The right auto insurance policy can help you when you need it most. Let us help you with all your insurance needs, from auto to homeowners to life. 

Steps to Take Immediately After an Accident

If you are involved in an auto accident, there are a few steps to take immediately. The first of which is to get to a safe place. If you need to wait for a tow truck because your vehicle is inoperable, be sure to find a safe spot while you wait for them to arrive.

You’ll also want to seek medical help, even if you feel fine immediately after the accident. The most common injuries that occur due to an accident affect soft tissue areas like your neck. This type of injury can take hours or even days to show symptoms. It’s essential to have a medical check-up to ensure that you haven’t experienced this type of injury.

The next step is to call your auto insurance carrier to begin the claims process. You’ll want to start the process as soon as possible and get back on the road. Depending on the accident’s severity, you might also need to file a police report. Your local agent is an excellent resource during this time and can provide further direction as needed.

Give Senn Insurance Agency a call today!

If you live or work in the greater O’Fallon, MO area, you can count on the team at Senn Insurance Agency. Contact us today to learn more about how our services can help you. We look forward to helping you meet your insurance needs!

Don’t Text and Drive

As of August 28, 2023, texting and driving in Missouri officially became illegal. Bluetooth and talk-to-text are acceptable, but hands on the wheel means hands off the phone. Previously, the law only applied to young drivers under the age of 21, but now it’s all drivers. For now, driving while texting is only a secondary violation, but starting in 2025, a first-time violation will lead to a fine of up to $150. This can increase to $500 for any repeat convictions within two years. Missouri is only the 49th state to ban texting and driving for all ages. And it’s about time. 

Don’t Get Distracted

Would you drive the length of a football field while blindfolded? You do that if you look at a text for 5 seconds while doing 55 mph. Driving is something that requires your full attention. Letting yourself get distracted can lead to disaster. Even if you get lucky and no one is killed or hurt, your car could be damaged, sued, and your insurance rates could go up. In every state but Montana, you could get arrested.

The Numbers Are Going Up

According to the National Highway Traffic Safety Administration, there has been a 12% jump from 2020 to 2021 in fatal car crashes that involve at least one distracted driver. There have been confirmed 3,522 people killed across the U.S. by distracted driving. Sadly, the numbers may be underreported. 

Senn Insurance Agency Serving O’Fallon, MO. 

We at Senn Insurance Agency hope you will drive safely. If you are in O’Fallon, MO, and need auto insurance, call us, and we’ll take care of you. 

Safe driving tips for new drivers

Safe driving is a skill that all drivers should continually practice and perfect. New drivers, especially, need to be aware of the potential dangers of the road and know how to stay safe.

Here are a few tips from us at Senn Insurance Agency for new drivers to keep in mind when behind the wheel here in the O’Fallon, MO area, and everywhere: 

  1. Always be aware of your surroundings. Pay attention to what other cars do around you—especially when turning or changing lanes. 
  2. Don’t speed or drive too fast for the conditions. Remember, even if you are within the posted speed limit, driving that quickly doesn’t mean it is safe—especially in bad weather or heavy traffic. 
  3. Follow the rules of the road and always obey traffic signs and signals. This includes stopping at stop signs and red lights, signaling before turning or changing lanes, and yielding to pedestrians at crosswalks. 
  4. Always wear a seatbelt and make sure all passengers are buckled up too! Seatbelts save lives and help protect drivers from serious injury in the event of an accident. 
  5. Avoid distracted driving activities such as texting while driving or eating behind the wheel (or any other activities that take your eyes off the road). Focus on driving safely! 

New drivers should focus on mastering these tips early on so they can stay safe on the roads for years to come! For more information, or if you are a new driver and need auto insurance, call us at Senn Insurance Agency today. We are proud to serve the O’Fallon, MO area and would be happy to help you find a policy that meets your needs and budget.

Options for Covering a Car in Long-Term Storage

What Are Your Options for Coverage of a Car in Long-Term Storage?

When you’ve decided to store a vehicle long-term without driving it, you might be tempted to go without insurance or keep paying your regular insurance premium until you resume driving it. At Senn Insurance Agency in O’Fallon, MO, we help our customers with various unique vehicle insurance situations. They can range from long-term storage, including military deployment situations, to classic cars driven for special occasions and valuable vehicles kept as an investment.

Your Car Has Value that Needs Protecting

Things can happen, even to a car in long-term storage. Without insurance, it’s up to you to manage repairs or accept the loss. Maintaining some form of comprehensive insurance can protect your vehicle from a wide range of risks and ensure that your investment is not inadvertently lost or reduced. Even if the problem is with the storage facility, having your own carefully selected coverage is wise.

Do You Need Liability Coverage if You’re Not Driving the Vehicle?

There may be options to adjust, pause, or modify liability coverage to get the desired protection without unnecessary extras. If your car is registered, though, the state of Missouri expects it to have at least minimum liability insurance coverage and provides penalties if not. At Senn Insurance Agency in O’Fallon, MO, we can help you coordinate registration and insurance issues together. Also, a full lapse in coverage can increase premium when coverage is resumed.

Storing your vehicle doesn’t have to mean continuing your full insurance coverage, but adjusting coverage is something you should consider doing with our experienced help. Give us a call. Let’s talk about your plans and how we can help!

 

Protect Your Driving Privileges – Get Car Insurance

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.

Four Key Areas Covered by Auto Insurance

Do you have auto insurance in O’Fallon, MO? Do you know what it covers? Unfortunately, most motorists buy auto insurance to comply with the law but barely understand the policy’s contents. If you want to harness the power of your car insurance policy, you must understand what it covers. This way, you will be better placed to know what "add-ons" you can purchase to boost your policy.

So, what does your car insurance cover? Senn Insurance Agency highlights four key areas covered by your auto insurance.

Liability coverage

Despite how careful you are on the road, you can cause an accident. When deemed at fault for an accident, you may be responsible for bodily injury and property damage caused. Since liability claims can be expensive, you had better cushion yourself with car insurance.

Assets coverage

Your car is not only expensive, but it also holds good memories. Since your car means the world to you, it makes sense to protect it with car insurance. Auto insurance compensates you when you lose or damage your car. You don’t have to start from scratch when the unexpected strikes.

Medical costs coverage

Car accidents are common in the US, and motorists and passengers rarely escape unscathed after an accident. Since treating auto injuries can be expensive, you are better off investing in MedPay or PIP, even if you have a health insurance plan. These policies cover expenses like partial loss of wages that aren’t covered by your health insurance.

Uninsured motorists coverage

While auto insurance is mandatory in Missouri, you still find motorists without coverage. Uninsured motorists leave a trail of uncovered damage, hence the need to invest in uninsured motorist coverage to protect you from such losses.

Ready to invest in car insurance? Please get in touch with Senn Insurance Agency. We offer comprehensive yet affordable car insurance policies in O’Fallon, MO, and surrounding areas.

What Happens If I Miss A Payment On My Auto Insurance Policy?

You might receive a cancellation notice in the mail if you fall behind on your payments. If you want to keep your policy, you can usually pay the amount you owe plus any late fees to reinstate it. Some insurers also offer a one-time courtesy reinstatement if you fall behind on your payments and let your policy lapse for a certain period. Contact Senn Insurance Agency if you stay in O’Fallon, MO for questions. 

What Goes Around Lateness in Auto Insurance Payment 

Your policy will typically go into a "grace period" for a set time. Usually, 10–20 days, in which you can still make the payment, and the policy will remain in effect. After that, the policy will likely go into "suspension," which means that the policy is no longer in effect, and you will no longer be covered if you are in an accident. 

If you make the payment during the grace period and your policy has gone into suspension, it will typically go back into effect. If you do not make a payment on your policy when it is due, your insurer will likely notify you that the payment was not received. To avoid having your policy canceled, keep track of the due dates for your payments and prepare to make the next one on time. 

You will receive a mail notice if you are late on your payment or your account has reached its limit. If you do not take action and make the payment, the insurer will likely cancel your policy. You will have to purchase a new policy at the current rate. If you paid your bill late, but your account did not reach its limit, you may be eligible for a one-time courtesy reinstatement. 

If you want to change your policy mid-year, you must purchase a new one at the current rate. You may be eligible for a one-time courtesy reinstatement if you paid your bill late, but your account did not reach its limit. 

Final Words 

Your insurer may cancel your policy if you have not resolved the issue and made the next payment by the due date. If you have a paid policy, you may lose any no-claims or discounts you have earned. If you have a non-paid policy, your insurer may consider the policy void and not renew it when it expires. Get help with Senn Insurance Agency serving in O’Fallon, MO.

What You Need To Know About Auto Insurance

Auto insurance is a unique type of expense. Because it is required by law, it is helpful when you can find the best rates. At Senn Insurance Agency, serving O’Fallon, MO, and the surrounding areas, we can help educate you on important insurance topics such as this. Keep reading to learn more. 

Legal Considerations

Auto insurance is unique because it is one of the few expenses required by law. You will need at least the minimum coverage to operate your vehicle legally. If you refuse or fail to keep proper insurance coverage, you could face legal consequences. 

Financial Considerations

In addition to the legal obligation you carry to keep your vehicle insured, there are also financial factors that you should consider when choosing the amount of coverage you will purchase. If you opt for minimum coverage, this is the minimum required by law to operate your vehicle. You will be held financially responsible for any damage to your vehicle. A liability policy will not pay for damage to your car if your vehicle is in a wreck or is damaged due to a natural disaster or burglary. If your vehicle is damaged or lost for these reasons, you will be responsible for paying for repairs or replacement of your vehicle. This could leave you financially vulnerable. 

Health Considerations

If you are injured in an accident, a solid auto policy can help pay for medical expenses. Without this vital coverage, you might struggle to pay for these important services. 

If you would like to learn more about car insurance or any other services, don’t hesitate to contact us at Senn Insurance Agency, serving O’Fallon, MO, and the surrounding areas.