What To Do After An Auto Accident | Fenton MO

What To Do After An Auto Accident

With millions of cars populating our roads and numerous pedestrians crossing busy intersections, car accidents frequent our streets. For those who have never been involved in a car accident, it can be a scary situation. Most people are not cure what to do after an auto accident.  Some accidents may involve multiple vehicles and a variety of eye witness accounts. Thus, it may be difficult to distinguish who should be held liable for the accident.

What to do when you have a car accident | MJM Insurance Fenton MO

To best resolve the situation, it is imperative to take the effective steps moments after a car accident occurs. Sometimes the chaos of the accident may leave drivers feeling confused. Do not let these emotions affect your decision making skills. Follow these important steps:

  1. Contact the police, or dial 911 if needed.
  2. Exit the vehicle once you know it is safe. Many people exit their vehicles too early and end up being injured by another motorist.
  3. Stay at the scene in a safe place.
  4. Exchange information with the other drivers. (name, contact information, and insurance information)
  5. Contact your agent at MJM Insurance® of Fenton
  6. Do not admit fault! 

 

 

Law enforcement will make a report of everyone involved and what happened. Do not admit fault or guilt to the other drivers or police officers. You do not want to be held liable for damages that you did not cause. Additional information may be necessary to collect if there are major injuries and/or a fatality. However, do not get involved with the investigation; rather take notes for your own records. The police report and/or investigation should reflect the following information:

  • Names, phone numbers, addresses and e-mail addresses of all potential witnesses and occupants, including the number of occupants in the other car(s).
  • Location (intersection/address/exit number).
  • Company name, policy number and phone number for other insurance companies.
  • The color, make, and model of the other vehicles involved. Take pictures of your vehicle and the other vehicles involved.  Damage (vehicles and/or property)
  • Accident scene (road conditions/skid marks/debris in roadway/vehicle positions)
  • Accident scene location identifiers (intersection/address/exit number)
  • Identification (clear photos of insurance cards, license plates, etc.)

And finally, contact your MJM Insurance® of Fenton Agent after an auto accident, provide as many details as possible and file your claim.

Common Causes of Car Accidents

Car accidents can occur for numerous reasons. In many instances, a car accident takes place due to reckless driving. It is estimated that every half hour, someone in this country dies in a crash involving alcohol. It is absolutely crucial to practice safe driving and avoid these practices in order to protect your own safety and the safety of other drivers on the road.  Many of driving practices can cause an accident because it is unsafe for other drivers. Reckless driving includes:

  • Driving under the influence of alcohol or drugs. Driving drunk illustrates reckless conduct and a disregard for public safety.
  • Speeding- either driving faster than the legal limit or driving faster than what is safe for current conditions.
  • Improper lane changing. Weaving in out and of traffic and cutting other drivers off, failing to see signal when changing lanes.
  • Improper passing. Using an emergency lane to pass another vehicle or passing another vehicle by using the shoulder.

Negligence Shown by another Driver  

If you have been injured in an automobile accident you can seek damages from the other driver is they were acting negligently. To act negligently is to act without reasonable care. Failing to practice reasonable care is considered unlawful and negligent.  Personal injury lawyers will guide you through litigation to help you get reimbursed for damages.

 


Why Choose  MJM Insurance® of Fenton?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance® of Fenton team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance® of Fenton have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance® of Fenton has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

 

Veterans: MJM Insurance® of Fenton Thanks You

AmericanFlagFlying_file8551271716475_MorgueMJM Insurance® of Fenton Thanks all the Veterans for their Service to Our Country

Today  is a very special day.  A day to be thankful for the brave men and women who have and continue to sacrifice their lives for our freedom, safety, and way of life.

A day to spend some time in memory of those who gave their lives; to those who are injured; to remember their family and friends; to be thankful for those who continue to serve.

We owe our freedom and our lives to our Veterans.  Thank You All.

~ MJM Insurance® of Fenton

Home Insurance Claim Process | Fenton MO

What Happens When Your Home Is Damaged by a Storm, Fire, or Water?Fenton Missouri Home Insurance Claims Process by MJM Insurance® of Fenton (636) 343-5000

(1) Call Us. The home insurance claim process does not have to be difficult.  Your local MJM Insurance® of Fenton Agents are always available to help you. Please call our Fenton Missouri office, and we’ll guide you through every step to make your experience go as smooth as possible.  (636) 343-5000.  We help our clients with the claims process, regardless of how small or large the damage may be.

(2) Safety First!  Make sure you family is safe and your property is protected from further damage by following some simple steps:

  • Most Fenton Missouri Home Insurance Policies require the insured to do what is reasonable to prevent further damage to the property.  You or your contractor should patch walls or roofs by covering them with tarps, or cover shattered windows with plywood or heavy plastic.  Please be careful and have a licensed contractor perform any dangerous task, such as repairs to the roof.
  • Keep receipts and invoices associated with any emergency repairs to give to your claim representative. In the event your home is unlivable, save any receipts associates with costs for motel rooms, meals, etc. These may be reimbursable items as well.
  • Take inventory in each room of the house and provide a written assessment of all damaged/missing property, including descriptions, cost of items, and when items were purchased. Serial numbers or other identifiable marking are helpful as well.
  • For water damage, you may contact a company that specializes in water extraction and water damage mitigation.  Your MJM Insurance®  of Fenton agents will have a list of companies available in your area.

(3) Property Inspection.  Once you’ve reported your claim, the insurance carrier will have a claims specialist contact you (generally within 24 hours) to establish a date for inspecting the damages. The claims adjuster will come to your property and assess the damage, take photos, help you organize temporary repairs, or emergency services.

(4) Pay Your Deductible.  The insurance carrier will give you a complete damage estimate after a loss. This estimate will show the total dollar amount of your covered loss, less your deductible and depreciation (if applicable), and the net amount that will be paid toward the loss.

(5) Find a Contractor.  Most insurance carriers have a network of contracts to provide construction repairs following a property loss. Your claim service associate would be able to assist you to scheduling an inspection of your property and arrange for repairs. Using network contracts has its advantages as the insurance companies have pre-negotiated standards for the contracts to abide by such as:

  • Warranties on materials and labor provided
  • Contractors who have proper credentials and industry experience
  • Financially stable firms
  • Proper licensing
  • Worker’s compensation insurance protection for the contractors and workers
  • Strict performance standards that are monitored and measured

(6) Settlement Check.  In the event of a covered loss, most carriers will first pay you the Actual Cash Value (ACV) (actual cost less depreciation) for the damage to your property. When you replace the item or complete the specified repairs, the insurance carrier will pay you the difference between the replacement cost and the actual cash value amount previously paid. The total amount you will be reimbursed is subject to the terms and conditions of your particular policy, including deductible and limits. This may vary from company to company. You will receive a settlement check from your insurance provider, as soon as they have confirmed coverage and completed an investigation and comprehensive damage estimate. Every effort is made to issue payment on the claim as quickly as possible. If necessary, you may receive other authorized supplemental checks once proper re-inspections are performed or when your claim adjuster prepares a supplemental estimate. Your insurance carrier may be required by state laws and policy language to include any mortgagees/ lien holders on your settlement check(s).  If a mortgagee/lien holder’s name appears on your settlement check(s), the mortgagee/lien holder must sign off on the check before it can be cashed. You should contact your mortgagee/lien holder directly to determine the process for co-signing/cashing settlement checks.

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Why Choose MJM Insurance® of Fenton?

MJM Insurance® of Fenton opened in 2002.  With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boat, motorcycle, commercial automobile, workers compensation, and general liability.  We proudly serve all of St. Louis and Jefferson counties including Fenton, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Wildwood, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester, and St. Clair.

MJM Insurance® of Fenton represents many of the industry’s premier national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and many more.

For our clients’ convenience, our Insurance Agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9 to 5 (don’t be surprised to find us here much later or on weekends).  We are dedicated to providing the most exceptional and timely customer service in the industry.

For Your Business

Our Business offerings include insurance products and risk management services–we are your full service insurance solution–from commercial property and casualty to employee benefits–we have you covered.  There is no need to have multiple agencies to provide the coverages and services for your business.

For Your Personal Life

Our Personal Insurance and Financial Services offerings also include insurance products and risk management services–we are your full service insurance solution–from auto, home, boat, RV, motorcycle, and power sports to health, life, and fixed annuities–we have you covered.  There is no need to have multiple agencies to provide the insurance coverages and financial services for your personal needs.

The Best Value and Customer Service 

We combine years of experience and top-rated companies and products to provide exceptional service and value to our clients.  Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the insurance and services you need.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Fenton Missouri Home Insurance you need.

Missouri Auto Insurance: MJM Insurance® of Fenton

 

Missouri Automobile Insurance by MJM Insurance® of Fenton  (636) 343-5000A Missouri Auto Insurance Policy is a legal contract that protects your financial well being if you should have an accident. Although it is not required by federal law, the purchase of auto insurance is generally required in most states.  Regardless of the law, it is wise to have a Missouri auto insurance policy to avoid potential costly lawsuits or immense repair bills.

Since Auto Insurance is regulated by State Laws, it is important to know the Missouri Auto Insurance laws; and they are the same in all cities and towns.  Thus, Fenton Auto Insurance is the same as High Ridge Auto Insurance, Arnold Auto InsuranceSunset Hills Auto Insurance, and so on.

 

Auto insurance policies generally have the following types of coverage. While some of these types of coverage are required by state law, some are considered optional.

  1. Bodily injury liability
  2. Property damage liability
  3. Medical payments or Personal Injury Protection (PIP)
  4. Collision
  5. Comprehensive
  6. Uninsured/Underinsured motorists coverage
  7. Towing or Roadside Assistance
  8. Rental Reimbursement
  9. Glass breakage

Liability Insurance

Liability insurance (both bodily injury and property damage) is the foundation of most auto insurance policies. Almost every state that requires auto insurance mandates the purchase of Property Damage and Bodily Injury liability coverages.  If you are at fault in an auto accident, your liability coverage will pay the covered liability expenses up to the policy limit for  bodily injury, property damage, and any legal bills. The bodily injury coverage would pay for medical bills and lost wages; the property damage coverage would pay for any property of others that was damaged.

If you own a home and have nest egg and a savings account, you should consider more liability insurance because, in most states, drivers are allowed to sue other drivers who injure them in car accidents. If you’re sued and your liability insurance doesn’t pay for all of the damages, your personal finances are on the hook, and it’s likely you’ll become a target.

Bodily Injury Liability Insurance

The bodily injury liability insurance coverage pays for medical bills and lost wages of others.  If you are determined to be at fault, this coverage will pay up to the policy limits.  Again, it is wise to purchase more than the Missouri state minimum limits ($25,000 per person and no more than $50,000 total for all the persons in the accident).  Severe injuries can costs hundreds of thousands of dollars for just one person; not including lost of wages, and pain and suffering.  As with Property Damage Liability Insurance, it’s a good idea to buy more than the Missouri minimum Bodily Injury Insurance limits. 

Important Point:  Although purchasing only the minimum State required Bodily Injury Insurance limits can get you a cheaper auto insurance rate, if you cause a serious accident, you are likely to have inadequate coverage.  Many vehicles today have a much higher value than the Missouri minimum Property Damage Liability limits of $10,000.  You would be responsible for any amount of property damage over the minimum limits, if that is the coverage you purchased.  Multiple persons with severe injuries can each have damages of hundreds of thousands of dollars or more.  That’s why it is important to buy more than the Missouri minimum Bodily Injury Insurance limits.

Property Damage Liability Insurance

Property Damage Liability coverage pays for the repair or replacement of property damaged other than your own car, such as lamp poles, fences, buildings, or anything else that your car may have damaged.   If you are determined to be at fault, this coverage will pay up to the policy limits.  Again, it is wise to purchase more than the Missouri state minimum limits of $10,000.   As with Bodily Injury Liability Insurance, it’s a good idea to buy more than the Missouri minimum Bodily Injury Insurance limits. 

Important Point:  Although buying only the minimum State required limits can get you a cheaper auto insurance rate, if you cause a serious accident, minimum insurance may not cover you adequately.  Many vehicles today have a much higher value than the Missouri minimum Property Damage Liability limits of $10,000.  You would be responsible for any amount of property damage over the $10,000 minimum limit, if that is the coverage you purchased.  Multiple vehicle accidents or Tractor Trailer Trucks loaded with cargo can have damages of $250,000 or more.  That’s why it’s a good idea to buy more than the Missouri minimum Property Damage Insurance limits.

Collision Coverage

If you cause an accident, collision coverage will pay to repair your vehicle. You usually can’t collect any more than the actual cash value of your car, which is not the same as the car’s replacement cost. Collision coverage is normally the most expensive component of your car insurance rate. By choosing a higher deductible, say $500 or $1,000, you can keep your premium costs down. However, keep in mind that you must pay the amount of your deductible before the insurance company kicks in any money after an accident.

Insurance companies often will “total” your car if the repair costs exceed a certain percentage of the car’s worth. The critical damage point varies from company to company, from 55 percent to 90 percent.

Comprehensive Coverage

Comprehensive coverage will pay for damages to your car that weren’t caused by an auto accident: Damages from theft, fire, vandalism, natural disasters, or hitting a deer all qualify. Comprehensive coverage also comes with a deductible and your insurer will only pay as much as the car was worth when it got wrecked.

Because insurance companies normally will not pay you more than your car’s book value, it’s helpful if you have a rough idea of this amount. Check the Kelley Blue Book or the National Automobile Dealers Association. If your car is worth less than what you’re paying for the coverage, you’re better off not having it.

Neither collision nor comprehension insurance is required by any of the states, but some lenders, when the owner finances the car, may require the purchase of collision and comprehensive in the loan agreement. Even when it is not required, collision and comprehensive coverage is highly recommended by the insurance industry, so that in the unforeseen event of damage or theft, the owner of the car can avoid heavy bills. Theft of cars is not as unusual as some people may think. In 2004, a car was stolen in the United States every 26 seconds, and a car had a 1 in 190 chance of being stolen.

Medical Payments (MedPay) Coverage

Medical payments (MedPay) coverage will pay for your and your passengers’ medical expenses after an accident. These expenses can arise from accidents while you’re driving your car, someone else’s car (with their permission), and injuries you or your family members incur when you’re pedestrians. The coverage will pay regardless of who is at fault, but if someone else is liable, your insurer may seek to recoup the expenses from him or her.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) coverage is an extended form of MedPay. PIP may cover expenses that are related to injury, but not necessarily medical, such as lost wages, childcare and funeral costs. PIP coverage is currently required by sixteen states. If you are already insured under a good health insurance policy, then fortunately, there is no need to buy more than the minimum required amount of PIP or MedPay insurance.  If you have a good health insurance plan, there might be little need to buy more than the minimum required PIP or MedPay coverages, if at all. And, if you already have disability insurance, there’s little reason to purchase higher-than-minimum amounts of PIP.

Uninsured Motorists (UM) Coverage

Uninsured motorists (UM) coverage pays for your injuries if you’re hit by a hit-and-run driver or someone who doesn’t have auto insurance. It’s wise to have the same limits for UM/UIM as you have for bodily injury liability. UM/UIM covers damages to you and your property. It pays for your injuries and, in some policies, damage to your car, if the person at fault in an accident with you cannot pay for your damages.  Since it’s wise to base your liability limit on what you have to lose, you should do the same with UM/UIM.

Underinsured Motorists (UIM) Coverage

Underinsured motorists (UIM) coverage will pay out if the driver who hit you causes more damage than his or her liability coverage can cover. In some states, UM or UIM coverage will also pay for property damages. Similarly, underinsured motorists insurance will cover any damage caused when you are struck by a driver who is not insured for a sufficient amount.

You’ll probably want to have at least the minimal amount of UM/UIM because if you can’t find the other driver, you’ll at least have some coverage for pain-and-suffering damages.

Optional Coverages

Several supplemental auto coverages are available, either as separate premium items or included in augmented policies. Rental reimbursement, a common add-on, covers vehicle rentals required because your car is damaged or stolen.  Coverage for towing and labor or Roadside Assistance charges in case of a road breakdown is also common. -Gap coverage for your new car will pay the difference between the actual cash value you receive for the car and the amount left on your car loan if your vehicle is totaled in an accident.

Important Points about Missouri Auto Insurance Coverage

You may be asked for proof of insurance at any and all of these times: at vehicle registration, at the time of an accident, and any time when driving the vehicle. It is suggested that the owner of the car keeps proof of insurance in the car at all times, instead of on his or her person, so that it can be available at all times, no matter who is driving.

You should never drive without Missouri auto insurance.  Any violations of state law regarding auto insurance could result in a hefty fine,  suspension of your driver’s license, and possibly time in jail. The dire consequences of driving while uninsured are not worth the neglect of paying for insurance. The chance that an uninsured driver will avoid detection is slim; he is likely to be caught and strictly punished–not to mention and increase in the cost of insurance for 3 to 5 years.

Visit the Missouri Division of Motor Vehicle website to learn more.

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 Why Choose  MJM Insurance® of Fenton?

MJM Insurance®  of Fenton opened in 2002 as a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best coverage for the price.  One of our Insurance Agents can help you get the best value for the Missouri auto insurance you need.

With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boatmotorcycle, commercial automobile, workers compensation, and general liability.  We proudly serve all of St. Louis and Jefferson counties including Fenton, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Wildwood, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester, and St. Clair.

MJM Insurance® of Fenton represents many of the industry’s premier national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and many more.

For our clients’ convenience, our Insurance Agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9 to 5 (don’t be surprised to find us here much later or on weekends).  We are dedicated to providing the most exceptional and timely customer service in the industry.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Missouri Auto Insurance Policy you need.

_________________________________ 

 

 Personal Insurance Coverage for Different Needs

On the right sidebar of this page, you will find links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please contact one of our insurance agents for any assistance.

 

Fenton Missouri Auto Insurance

Fenton Missouir Auto Insurance by MJM Insurance of Fenton (636) 343-5000We Find the Best Fenton Missouri Auto Insurance Coverage for You

Fenton Missouri Auto Insurance can be purchased in many ways.  You can buy it online.  You can dial an 800 number and get it from an auto insurance company. You can call a local Fenton Missouri Auto Insurance agent. In some cases, you can buy it at your bank or credit union.  The choices are many and the challenge to purchase the Best Auto Insurance to meet your needs can be difficult.

In the midst of all the Fenton Missouri car insurance commercials and advertisements, it may seem that auto insurance is just a commodity–a product that is the same at every company.  It’s not.  Auto Insurance policies in Fenton Missouri can be  very different and have very different cost.   You’re not buying a container of salt;  You’re protecting your financial well being…and the choices you make could affect you for the rest of your life.  

With hundreds of auto insurance companies and the many different policies, the best Fenton Missouri Auto Insurance purchase decision is often made with the help of a professional insurance agent.  Our insurance agents at MJM Insurance of Fenton Missouri are ready to help!

Why Choose  MJM Insurance® of Fenton?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance® of Fenton team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance® of Fenton have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance® of Fenton has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

Learn More:  Personal Insurance Coverage for Different Needs

On the right sidebar of this page, we have include links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please call one of our insurance agents  for any assistance.

 

 

 

The Best Missouri Home Insurance for You

Home Insurance by MJM Insurance of Fenton (636) 343-5000We find the Best Missouri Home Insurance for You.

There are many ways to purchase the Best Missouri Home Insurance.   You can call an 800 number and buy it over the phone directly from a Missouri Home Insurance company. You can buy it over the Internet. You can call an insurance agent. You may be able to buy it at your bank or credit union.  The choices are many and challenge to purchase the Best Missouri Home Insurance to meet your needs is not that easy.

In the midst of all the insurance commercials and advertisements, it may seem that Home insurance is just a commodity–a product that is the same at every company.  It’s not.  Home Insurance policies in Missouri can be  very different and have very different cost.   You’re not buying a commodity;  You’re protecting your financial well being…and the choices you make
could affect you for the rest of your life.  
To learn about more Missouri Home Insurance, please visit our Missouri Home Insurance Information page.

With hundreds of Missouri Home insurance companies and the many different policies, the best Home insurance purchase decision is often made with the help of a professional insurance agent.  Our insurance agents are ready to help!

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MJM Insurance® of Fenton opened in 2002 as a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best coverage for the price.  One of our Insurance Agents can help you get the best value for the insurance you need.

With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boatmotorcycle, commercial automobile, workers compensation, and general liability.  We proudly serve all of St. Louis and Jefferson counties including Fenton, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Wildwood, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester, and St. Clair.

MJM Insurance® of Fenton represents many of the industry’s premier national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and many more.

For our clients’ convenience, our Insurance Agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9 to 5 (don’t be surprised to find us here much later or on weekends).  We are dedicated to providing the most exceptional and timely customer service in the industry.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best Missouri home insurance value for you.

_________________________

 Personal Insurance Coverage for Different Needs

On the right sidebar of this page, we have include links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please call one of our insurance agents for any assistance.

 

Missouri Boat Insurance: Risks and Coverages

Bass Boat by MJM Insurance of Fenton (636) 343-5000Missouri Boat Insurance

If you have a Missouri homeowners insurance policy, you may have some coverage for your watercraft, but it is very, very minimal.   A typical homeowners policy may pay up to $1,000 or $1500 to repair damage to your boat, but — that damage has to occur while the boat is at your home.  Although helpful (e.g., a tree falls on your boat), this is not  the kind of Missouri boat insurance coverage you really need. In addition, there may be some liability coverage, but it depends on the size of your engine — normally only outboard engines of 25 hp or less.

You could gamble and not buy insurance for your watercraft, but that’s a big gamble. You’re risking not only losing or severely damaging the boat in an accident, but possibly your other assets, if your boat causes property damage or bodily injury.

What you’ll learn about Missouri Boat Insurance from this article:

  • What is and what is NOT covered in a standard Homeowner’s Policy for your boat
  • Understand about the different kinds of“watercraft” insurance
  • Ways to save money on boat insurance
  • Missouri Boat Insurance coverages you may need…depending on what you do with your boat
  • Missouri Boat Insurance terms explained.  What are you really getting?

Missouri Boat Insurance Options…How to Choose

First, you need to know that there are three types of “boats.”

  • Anything less than 16 feet long is usually called “personal watercraft” by most insurers. This includes Jet Skis and Waverunners.
  • “Boats” are 16 feet to 25 feet, 11 inches.
  • Anything at least 26 feet long is classified as a “yacht.”

The Missouri watercraft insurance that you will need depends on the size and type of watercraft and how it is used.   For example, if you use your watercraft for water-skiing, make sure you get coverage for this exposure as well. (Depending on the insurance company, it may not be automatically covered.)  Generally, your Missouri Boat Insurance policy should include coverage for injuries to you and your passengers, the craft itself, property and bodily injury liability (for damage and injuries to other crafts and people) and theft. You can also get coverage for the trailer(s) you use to transport the watercraft.

The Missouri Boater Safety Handbook is an excellent  resource to learn more about Boating in Missouri.

Missouri Watercraft Insurance for Powerboats & Sailboats

Sail Boat by MJM Insurance of Fenton (636) 343-5000

Insurance companies generally define a “boat” as 16 to 25′ 11″ powerboats and sailboats.  Standard policies for boats cover damage to the craft, including damage caused by fire, lightning, theft, vandalism, collisions, and windstorms.  The coverage is usually for the boat itself, outboard motor(s), the boat’s trailer and personal property on the craft that is part of the normal operation of the vessel. Many insurers offer separate coverage for other personal property such as fishing or diving equipment.

Depending on the insurance company and the age of your boat, you may find a variety of claim settlement options in the event that your boat experiences a total loss.  The best coverage, usually available only on recently manufactured or newer watercraft, is “replacement cost” where the company will “replace” your loss with the same or similar new boat.  Other options include “agreed value” where you and the insurance company agree in advance what the settlement value will be in a total loss, and “actual cash value or ACV” where the insurance company will pay the fair market value of the boat at the time of the loss up to a specified rating base.e craft that is part of the normal operation of the vessel.

The standard Missouri boat insurance policy also provides liability coverage, which is usually offered in increments of $100,000 to as much as $1 million.  Many also offer an boat umbrella liability insurance policy that will increase the liability limits into the millions.   Most boat policies also cover medical expenses incurred by you, your family and any other passengers on board.

Missouri Yacht Insurance

Missouri Boat Insurance by MJM Insurance of Fenton (636) 343-5000If your watercraft is 26 feet or longer, you may need to buy yacht insurance, which provides basically the same coverage as Missouri boat insurance, but the policy terms are different. Under a boat policy, coverage for damage to the craft is called “physical damage.”   Under a yacht policy, the boat is referred to as ”hull.” Liability coverage under a yacht policy carries the name “property and indemnity,” which insurance companies  abbreviate as P&I.  As with boat liability coverage, P&I is available in increments of $100,000. Depending on the size of your craft, you can buy P&I limits from $300,000 to as much as $50 million.

Although some terms are different and the coverage limits may be different, Yacht insurance coverage is basically the same as for a Boat.  There may be some differences depending on how and where used, etc….  Our Missouri boat insurance specialist can help you with the options to cover your risks properly.

The cost of your boat or yacht policy is based on a variety of factors: horsepower; how fast it moves (it can cost as much as 50% more to insure a speedboat than it does a sailboat of similar size); where it is to be used; age of the craft and experience of the vessel’s operator.

Missouri Boat Insurance Savings Tip:  Insurers often offer discounts of 5% to 20% to those boat/yacht owners who have taken an approved boating safety course.  Discounts are usually available from some insurers for newer vessels and protective devices (depth finders, ship-to-shore radios, burglar alarms). You can also save money on the policy by electing a higher deductible.

Boating is not a cheap hobby or sport and carries with it many potential risks which is the main reason why Missouri watercraft insurance is not cheap. Therefore,  it really is important to assess your risks, define the coverages you need, and to find the companies that offer the best value for the protection you need.  This task not easy and generally requires the assistance from an insurance professional who has experience and knowledge of watercraft insurance.   There are a lot of different policies and coverage options available. Some policies might be significantly cheaper than others, but they may not offer the insurance coverages you need to cover your risks.

Missouri Boat Insurance Shopping Tip:  Watercraft Insurance is a complex with many options.  Let our experience watercraft insurance specialist help you to assess your risks, define the coverages you need, and shop the Missouri Boat Insurance companies to find the best protection and value for you.

We recommend the Missouri Boater Safety Handbook to learn more about boating in Missouri.   

________________________

MJM Insurance® of Fenton opened in 2002 as a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best coverage for the price.  One of our Insurance Agents can help you get the best value for the insurance you need.

With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boatmotorcycle, commercial automobile, workers compensation, and general liability.  We proudly serve all of St. Louis and Jefferson counties including Fenton, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Wildwood, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester, and St. Clair.

MJM Insurance® of Fenton represents many of the industry’s premier national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and many more.

For our clients’ convenience, our Insurance Agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9 to 5 (don’t be surprised to find us here much later or on weekends).  We are dedicated to providing the most exceptional and timely customer service in the industry.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Boat Insurance Policy you need.


 Personal Insurance Coverage for Different Needs

On the right sidebar of this page, we have include links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please contact one of our insurance agents for any assistance.

Hurricane Preparation Safety Tips

Hurricane Preparation TIPS -- MJM Insurance of Fenton (636) 343-5000

Hurricane season is not far off, thus a good time to provide an article on Hurricane Preparation and Safety Tips.   The following information is intended to help to reduce the severity of property damage and bodily injury during and after a major storm.  Please share.

The National Huricane Center has some of the best information on how to prepare and recover after a major storm. They provide important storm safety information during the Hurricane Preparedness Week usually at the end of May each year.  The following information is a re-post of their Hurricane Preparedness “Be Ready” page.   Please share.   

 

 

Hurricane Preparedness – Be Ready

Hurricane Preparation TIPS -- MJM Insurance of Fenton (636) 343-5000

Please be Prepared for Hurricane Season.

Preparedness Week | Hazards | Watches & Warnings | Be Ready | Marine Safety


Two keys to weather safety are to prepare for the risks and to act on those preparations when alerted by emergency officials. These are essential pieces to the Weather-Ready Nation.

Refer to the Federal Emergency Management Agency’s (FEMA) Ready.gov/hurricanes for comprehensive information on hurricane preparedness at home and in your community.

Some highlights on how to prepare and take action are available below:

Gather Information

Know if you live in an evacuation area. Assess your risks and know your home’s vulnerability to storm surgeflooding and wind. Understand National Weather Service forecast products and especially the meaning of NWS watches and warnings.

Contact your local National Weather Service office and local government/emergency management office. Find out what type of emergencies could occur and how you should respond.

Contacts

Keep a list of contact information for reference.

Hurricane Preparedness Checklist posted by The Insurance Advisor (804) 638-9024

  • Local Emergency Management Office
  • County Law Enforcement
  • County Public Safety Fire/Rescue
  • State, County and City/Town Government
  • Local Hospitals
  • Local Utilities
  • Local American Red Cross
  • Local TV Stations
  • Local Radio Stations
  • Your Property Insurance Agent

Risk Analysis

Online hazard and vulnerability assessment tools are available to gather information about your risks.

 

 Example Disaster Supply Kit post by The Insurance Advisor (804) 638-9024

Plan & Take Action

Everyone needs to be prepared for the unexpected. Your friends and family may not be together when disaster strikes. How will you find each other? Will you know if your children or parents are safe? You may have to evacuate or be confined to your home. What will you do if water, gas, electricity or phone services are shut off?

Protect Your Home

The Insurance Information Institute provides a video named Making Your Home More Hurricane Resistant: Five Steps.

Supplies Kit

Put together a basic disaster supplies kit (http://www.ready.gov/basic-disaster-supplies-kit) and consider storage locations for different situations.  Help community members do the same.

A basic emergency supply kit could include the following recommended items:

  • Water, one gallon of water per person per day for at least three days, for drinking and sanitation
  • Food, at least a three-day supply of non-perishable food
  • Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert and extra batteries for both
  • Flashlight and extra batteries
  • First aid kit
  • Whistle to signal for help
  • Dust mask to help filter contaminated air and plastic sheeting and duct tape to shelter-in-place
  • Moist towelettes, garbage bags and plastic ties for personal sanitation
  • Wrench or pliers to turn off utilities
  • Manual can opener for food
  • Local maps
  • Cell phone with chargers, inverter or solar charger

Once you have gathered the supplies for a basic emergency kit, you may want to consider adding the following items:

  • Prescription medications and glasses
  • Infant formula and diapers
  • Pet food and extra water for your pet
  • Cash or traveler’s checks and change
  • Important family documents such as copies of insurance policies, identification and bank account records in a waterproof, portable container. You can use the Emergency Financial First Aid Kit – EFFAK (PDF – 977Kb) developed by Operation Hope, FEMA and Citizen Corps to help you organize your information.
  • Emergency reference material such as a first aid book or free information from this web site. (See Publications)
  • Sleeping bag or warm blanket for each person. Consider additional bedding if you live in a cold-weather climate.
  • Complete change of clothing including a long sleeved shirt, long pants and sturdy shoes. Consider additional clothing if you live in a cold-weather climate.
  • Household chlorine bleach and medicine dropper – When diluted, nine parts water to one part bleach, bleach can be used as a disinfectant. Or in an emergency, you can use it to treat water by using 16 drops of regular household liquid bleach per gallon of water. Do not use scented, color safe or bleaches with added cleaners.
  • Fire extinguisher
  • Matches in a waterproof container
  • Feminine supplies and personal hygiene items
  • Mess kits, paper cups, plates, paper towels and plastic utensils
  • Paper and pencil
  • Books, games, puzzles or other activities for children

Emergency Plans

Develop and document plans for your specific risks.

Health & Environment

Follow guidelines to guard your community’s health and protect the environment during and after the storm.

Evacuation

Image of Interstate Traffic in an Evacuation post by The Insurance Advisor (804) 638-9024

  • Review the FEMA Evacuation Guidelines to allow for enough time to pack and inform friends and family if you need to leave your home. FOLLOW instructions issued by local officials. Leave immediately if ordered!
  • Consider your protection options to decide whether to stay or evacuate your home if you are not ordered to evacuate.

When waiting out a storm be careful, the danger may not be over yet…

Be alert for:

  • Tornadoes – they are often spawned by hurricanes.
  • The calm “eye” of the storm – it may seem like the storm is over, but after the eye passes, the winds will change direction and quickly return to hurricane force.

Recover

  • Wait until an area is declared safe before returning home.
  • Remember that recovering from a disaster is usually a gradual process.

Resources

 

MISSOURI INSURANCE BLOG | MJM INSURANCE™ OF FENTON

 

Thank you for visiting our Missouri Insurance Blog!trustedchoice-trans1

First, allow us to introduce ourselves….

MJM Insurance™ of Fenton is an established full-service insurance agency.  As an independently owned Fenton Missouri insurance operation, our licensed agents have access to several A+ rated insurance carriers such as Safeco, The Hartford, Travelers, EMC, Progressive, MetLife, and dozens more. 

Our professional agents assess the risks and exposures the consumer may be facing.  Our goal is to shop insurance for the consumer – a/k/a “you!”  We shop multiple carriers and find you the best protection at the best price.  We’ll help save time and heartache trying to figure out which specific coverage goes with which type of risk.

The insurance products we offer include automobile, homeowners, business, power sports, life, and other specialty lines.  During the client risk assessment, our agents review coverage and compare how you’re currently protected, and provide recommendations about how you should be protected. The coverage includes liability, property damage, bodily injury, personal property, home and renters coverage, business liability, workers compensation, personal or business investments and much more.

So now you know!

It is our goal to ensure Missouri consumers are well-informed about insurance and protecting themselves and their families. Our agents offer the Missouri Insurance Blog to provide information and educational resources for drivers, homeowners, business owners and everyone in between!  This blog and our site are dedicated to providing Missouri consumers valuable information related to insurance products and risk management solutions. 

So why purchase your Missouri Insurance from us?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance™ of Fenton team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance™ of Fenton have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance™ of Fenton has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.