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Missouri Auto Insurance Coverages by AIF

Selecting the Right Missouri Auto Insurance Coverages

Missouri Auto Insurance Coverages | MJM Insurance of Fenton | (636) 343-5000Missouri Auto Insurance Coverages is insurance for damage to a vehicle(s) and bodily injury resulting from an auto accident. Insurance of this type can cover a variety of instances depending on the kind of auto insurance that has been purchased.

Missouri Auto Insurance Coverages – Liability

Liability Coverage protects the other person(s) involved with an accident that is your fault.  Liability coverages include Bodily Injury Per Person, Bodily Injury Per Accident, Property Damage and Uninsured Motorists Coverage.

Let’s say for example, you have 50/100/50.  $50,000 is for Bodily Injury, Per Person.  If you should have an accident and a person was severely injured and incurred $75,000 in medical bills, your insurance will only cover $50,000.  $100,000 covers the Total Bodily Injury Per Accident.  This is used when multiple people are injured in the same accident.  So if you’re involved in an at-fault accident and 5 people are severely injured, your insurance will only pay $100,000 total.

Missouri Auto Insurance Coverages | MJM Insurance of Fenton | (636) 343-5000Uninsured/Underinsured Motorist Coverage

This coverage is for bodily injury at the same minimums as those listed for liability coverage. Using the example above, the Uninsured/Underinsured Motorist Coverage would be $50,000. This amount protects you if you’re in a car accident and the other driver is at fault – and that driver has minimum liability limits or doesn’t have car insurance! This coverage also provides insurance for injury-related medical expenses and costs associated with repairing damage to your car.

“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 due to the price of cheap insurance.  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.”

Missouri Auto Insurance Coverages – Comprehensive & Collision

Many people refer to Comprehensive and Collision Insurance as “full coverage”.  The correct term is “comprehensive and collision”.  Comprehensive and collision coverages are optional; however, more often they are typically required as part of a car loan or lease agreement.  Think about it — when you cause an accident, what is your first thought after you see the damage done to your vehicle?  If you have liability coverage only, you could be left to pay for your own damages out of your pocket.

Comprehensive Insurance Coverages

Missouri Auto Insurance Coverages | MJM Insurance of Fenton | (636) 343-5000Comprehensive will help cover costs of damage to your vehicle that result from an event that is not an accident, such as severe weather or fire, theft, vandalism, hail, falling objects, animals or fowl, natural disasters, and all glass breakage.

 

 

Collision Insurance Coverage

Collision Coverage pays for damages to your vehicle after a collision with another car or object.  There are other additions you can add to your policy and we will review them with you.  Those are Medical payments, Rental car reimbursement, Emergency roadside assistance and more.

Medical Coverage

Medical coverage is anMissouri Auto Insurance Coverages | MJM Insurance of Fenton | (636) 343-5000 important auto insurance coverage. Also known as Med Pay, medical car insurance covers the costs (up to a limit) for injuries that you, or your passengers may have when riding in and while loading or unloading the vehicle.  You and your family may be covered as a pedestrian also.

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, you may not need to buy more than the minimum required amount of PIP or MedPay insurance–enough to cover your health insurance deductible or other out-or-pocket expenses such as co-pays.

Missouri Auto Insurance – Optional Coverages

Missouri Auto Insurance Coverages | MJM Insurance of Fenton | (636) 343-5000There are many optional auto insurance coverages, and some may qualify you for additional auto insurance discounts.  These coverages include Glass Breakage Coverage, Emergency Roadside Assistance Protection, Rental Reimbursement Coverage and GAP Insurance coverage.

You can learn more about these coverage types, and additional coverages by visiting our Auto Insurance page, and by reading the Bodily Injury and Property Damage Coverage pages in your policy.

The Premium

All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are typically higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums as well. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.

The Deductible

It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.

Most drivers are not aware of the risks they are taking when they purchase just the
state minimum insurance that is required by Missouri law.

Missouri Auto Insurance Coverages – Key Points

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 about Missouri Auto Insurance Coverages.

We Can Help!

MJM Insurance of Fenton agents can help consumers with questions about Missouri Auto Insurance Coverages, to insure consumers understand what coverages may best meet their needs and we shop multiple carriers to get you the best price.  Consumers can get a quick auto insurance quote anytime during regular business hours and have access to professional insurance agents who will help them make an informative decision and avoid potential risks.

To better understand your Missouri Auto Insurance Coverages, our agents take the time to sit down with you and review your existing policy and help you identify risks, or sometimes, if you are over insured.  Yes, some people are paying too much for their auto insurance!

MJM Insurance of Fenton is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.  The company opened in 2002 as a full service Independent Insurance Agency and proud corporate member of MJM Insurance Group, a group membership organization of local St Louis area insurance agencies founded in 1992. The licensed producers have a combined 60+ years of experience and are dedicated to providing every client with products tailored to fit their individual needs.

Get a free auto insurance quote by clicking here or calling our office (636) 343-5000.

 

 

 

Missouri Auto Insurance Education | (636) 343-5000

Definitions, Premiums and Deductibles

MJM Insurance of Fenton | Missouri Auto Insurance Education | (636) 343-5000MJM Insurance of Fenton is not only an insurance agency, our licensed agents care about our clients’ well-being. We provide the tools and resources necessary for consumers to receive the proper Missouri Auto Insurance Education.  Helping you understand your policy is our duty as a Trusted Choice Agent.

As part of our Missouri Auto Insurance Education, we have included the basic information about your auto insurance policy. We encourage you to schedule a free review your individual policy for specific details on coverages, terms, limits, conditions, and exclusions.

Starting with the Basics

An insurance policy is a contract between a policy holder and an insurance company.  All policies are unilateral in that the policy holder pays the insurance company a premium. The purpose of an auto insurance policy is to make one whole, or return the policy holder back to their original condition prior to a covered financial loss.  For example: you own a 2015 vehicle with actual cash value of $20,000 and the car was totaled by a covered peril.  The recovery amount is limited to the amount of the actual loss incurred, and not the actual cash value – or replacement cost less depreciation.

Laws and Regulations

Missouri law requires motorists to have auto insurance.  No owner of a motor vehicle registered in Missouri may operate, register, or maintain registration of a motor vehicle, or permit another person to operate the vehicle, unless the owner maintains the required liability coverage.

* Proof of insurance shall be carried in the insured motor vehicle at all times. *

Missouri law requires all drivers to carry some types of coverage – at least state minimum – in the amount of $25,000 because of bodily injury to or death of 1 person in any 1 accident and, subject to the limit for 1 person, $50,000 because of bodily injury to or death of 2 or more persons in any 1 accident, and $10,000 because of injury to or destruction of property of others in any 1 accident.

The Auto Insurance Policy

MJM Insurance of Fenton | Missouri Auto Insurance Education | (636) 343-5000There are 6 primary components to your auto insurance policy and our licensed agents can help you determine the best coverages you need for your situation with a price that meets your budget.  For example: if you have 2 teenage drivers on your policy and own a $500,000 home – we would recommend enough coverage for a loss up to $500,000 so that your mortgage is covered in case of loss.

Liability Insurance protects you, the insured/policy holder, against a claim made by another party, and covers the insured’s legal responsibility to body and property damage.

  • Bodily injury liability (BI) insurance covers you if you cause an accident in which someone else is injured. Your policy is designed to pay claims for each person injured in an accident, and limits the total paid per occurrence.
  • Property damage liability (PD) insurance covers you when you damage someone else’s property. For example, your property damage will pay out when you are at fault for an accident that causes damage to someone else’s car.
  • Collision insurance pays for damage to your car if you run into another object. This coverage is not required by law, although your bank may require it if you have a lien on your car. This is commonly known as “full coverage”.
  • Comprehensive insurance covers you in case your car is damaged other than a collision. The covered perils include hail, fire, theft, flood, earthquake, explosion, falling objects, and encounters with wildlife, such as deer. Comprehensive is optional coverage and you may choose your deductible amount.
  • Uninsured/Underinsured motorist (UM/UIM) insurance covers your expenses when you are hit by a driver who does not carry adequate, if any, auto insurance. Our agents always recommend carrying uninsured/underinsured motorist insurance so that you are not left with a financial loss because of someone else’s negligence to carry auto insurance.
  • Medical insurance coverage (Med Pay/MPC) acts as primary coverage for medical expenses you and your passengers incur if injured in a motor vehicle accident, regardless who’s at fault. Med pay can help you pay your bills as soon as they are incurred.

Cost of Insurance

MJM Insurance of Fenton | Missouri Auto Insurance Education | (636) 343-5000Insurance premiums are determined by the statistics of a large group of people who share the same risk. Many factors can affect your premium, and they all help determine how likely you are to have an accident.  Click here for more information from the Insurance Information Institute.  Some of the factors that will be used to determine the cost of insurance can include your driving record, how much you drive, your age, the type of car you drive, etc.  Insurance companies obtain the ratio of exposure by analyzing industry activities and driver statistics.  For example: if you live in an area where the average age of drivers is 45 years and they have decent driving records; the risk is slim, therefore calculating a lower premium.  It’s not that simple, but you get the idea.

The Deductible

A deductible on an auto insurance policy is the amount of money you agree to pay for damages before the insurance company provides payment towards the damage/loss.  Choosing a higher deductible means there is less risk of a payout for the insurance company, and so you may pay smaller premiums.  MJM Insurance of Fenton can help you make an informed decision on how to choose your deductible. Everyone’s situation is different and we understand some may be able to afford a larger deductible, others may not.

 

Contact one of our professional agents to schedule a free auto policy review and we’ll make certain you have the best coverage at the best price!  (636) 343-5000


Insurance Terms & Definitions

National Association of Insurance Commissioners provides a glossary of insurance terms and definitions that are commonly used in the insurance business.

The definitions in this glossary are developed by the NAIC Research and Actuarial Department staff based on various insurance references. Some words and/or phrases may be defined differently by other entities, or used in a context such that the definition shown may not be applicable.

Missouri Earthquake Insurance | (636) 343-5000

Missouri Department of Insurance Suggests 

Homeowners Should Consider Buying Earthquake Coverage

DIFP_banner

According to an article published by the Missouri Department of Insurance, Financial Institutions & Professional Registration, many Missourians are having trouble getting Missouri Earthquake Insurance Coverage. Recent insurance data demonstrates that southeast Missouri is experiencing an insurance coverage crisis.

Click here to read the full article on Department of Insurance Website.

Contact MJM Insurance of Fenton today for a free insurance review and we’ll help you determine if you qualify for Missouri Earthquake Insurance.

Watch the earthquake preparedness videos created by Missouri school children!

 

Helpful Resources:

http://www.nehrp.gov/library/plan_prepare.htm

http://www.fema.gov

http://earthquake.usgs.gov

http://www.ready.gov/kit

http://dnr.mo.gov/geology/geosrv/earthquakes.htm

http://www.redcross.org

http://www.nhc.noaa.gov

http://www.eas.slu.edu/Earthquake_Center

 


MJM Insurance® of Fenton is a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial insurance carriers. We assess risks and shop for companies to find the best coverage for the lowest price. With a combined experience of over 60 years in the Fenton Missouri insurance industry, our agents are knowledgeable and competent specializing in autohome, renters, boat, motorcycle, business automobile, workers compensation, and general liability.

We serve all of Saint Louis and Jefferson counties including Fenton, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair. Our professional insurance agents at MJM Insurance of Fenton can help you get the best value for your fundamental insurance needs.

The Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP) is responsible for consumer protection through the regulation of financial industries and professionals. The department’s seven divisions work to enforce state regulations both efficiently and effectively while encouraging a competitive environment for industries and professions to ensure consumers have access to quality products.

 

Dump Truck Insurance | Fenton Missouri (636) 343-5000

MJM Insurance of Fenton Specializes in Transportation Insurance

Dump Truck Insurance in Fenton Missouri | MJM Insurance of Fenton | (636) 343-5000If you use a dump truck in Fenton Missouri, to haul asphalt, loose materials or remove construction debris, or snow and ice, etc…, you need Dump Truck Insurance in Fenton Missouri. Depending on what you haul, you may need specialized commercial vehicle insurance also.

Missouri dump truck insurance coverages may vary among Insurance Carriers, so it is important that you work with an Agent that represents multiple, top-rated Transportation Insurance Companies.

MJM Insurance of Fenton is a full service insurance agency that has many years of experience with Missouri Dump Truck Insurance. Our connections with some of the leading Missouri dump truck insurance carriers allows us to provide the coverages your business needs.

Dump Truck owners and operators can save time from searching, and allow our insurance agents to shop your Missouri dump truck insurance to find the right coverages at the best price. MJM Insurance of Fenton works with dump truck private contractors, those who owns a single dump truck, and business owners who own a full fleet of heavy-duty commercial hauling vehicles.  We work with our carriers to insure Super Dump Trucks, Heavy Duty Haulers, Salt, Sand and Gravel Trucks, Six and Ten Wheelers, and more.

How Much Is Dump Truck Insurance in Fenton Missouri?

Dump Truck Insurance in Fenton Missouri Premiums can vary based on a number of factors that the Department of Insurance considers.  These include:

  • The dump truck itself,
  • what you’re hauling,
  • where you’re hauling it,
  • the driving records of whomever is driving the dump truck,
  • personal items anyone may be carrying in the cab, and
  • the length of time a driver has been operating the type of dump truck they want to insure.

If you’re hauling hazardous materials, chemicals or explosives, it will increase your dump truck insurance premium. And if you haul aggregate, we recommend sand and gravel haulers insurance, too.

Don’t Risk Not Having The Right Protection

Dump truck drivers should have at least the mandatory coverage required to operate commercial vehicles.  The basic policy should include bodily injury and property damage liability coverage amounts required by state law.

Dump Truck Insurance in Fenton Missouri | MJM Insurance of Fenton | (636) 343-5000Current Federal liability limit minimums for commercial vehicles are as follows:

  • Freights
    • $750,000 to $5,000,000 depending on what is being transported
  • Vehicles weighing less than 10,001 lbs. transporting non-hazardous freight
    • $300,000
  • Passenger vehicles
    • $5,000,000
  • Passenger vehicles with a seating capacity of 15 passengers or fewer
    • $1,500,000

Our agents will examine your business needs and customize a Missouri Dump Truck Insurance commercial vehicle policy that best meets your needs.  Additional dump truck insurance coverages we discuss with our clients include:

  • Non-trucking insurance: This coverage is designed for independent owner/operators with contract jobs. It provides liability insurance if you should be involved in an accident in your truck during off-work hours.
  • Motor truck general liability insurance: This coverage will protect you from liability for damage you cause to your customer’s property while operating your vehicle on their grounds.
  • Physical damage insurance: This additional coverage provides compensation for any damage to your dump truck, and is usually required by dealerships if you are leasing your vehicle.
  • Motor truck cargo insurance: If the cargo you will be hauling on your truck is valuable, you may be required to carry motor truck cargo insurance.
  • Collision insurance: This will cover the repair of damage to your dump truck if you collide with another vehicle or object.
  • Fire and theft insurance: This comprehensive insurance will provide compensation for damages to your vehicle from fire or theft.
  • Environmental insurance: This insurance will cover certain pollution-related losses and fines and the costs for restoration and clean-up, if necessary.
  • Rental reimbursement / downtime insurance: If your truck is damaged in an accident, this coverage will allow you to continue your business operations while your truck is being repaired or will cover business losses if continuation is not possible.
  • Off-season comprehensive only insurance: If your business is seasonal, this will save you money while protecting your vehicle while it is not in use.

We’re Not Like Other Insurance Agencies

Dump truck owners are required to have a financial responsibility filing that shows proof they are properly insured to protect them and other drivers from such high-risk situations.  Our agents  have the knowledge to assist drivers with the state and federal commercial auto insurance filings and will be happy to process the required state filings on your behalf.

  • BMC-32 filingDump Truck Insurance in Fenton Missouri | MJM Insurance of Fenton | (636) 343-5000
  • BMC-34 filing
  • BMC-91 and BMC-91X filing
  • MCS-90 form
  • Intrastate Truck Filings
  • Form E filing
  • Form F filing
  • Form H filing
  • Form K filing

 

Contact one of our licensed insurance agents to schedule a free insurance evaluation or call now (636) 343-5000.

 

Dump Truck Insurance Resources

Federal Motor Carrier Safety Administration
www.fmcsa.dot.gov/

US Department of Transportation
www.dot.gov/

The National Transportation Safety Board
www.ntsb.gov/

Directory of State Patrol and State Police
https://www.statetroopersdirectory.com

Missouri State DOTs
www.modot.org/

Missouri State MVRs
www.dor.mo.gov/mvdl/

PRESS RELEASE About Missouri Transportation Insurance

MJM Insurance of Fenton Expands Services to Include Missouri Transportation Insurance.

MJM Insurance of Fenton is committed to the transportation industry and helping business owners and operators with insurance coverages, insurance laws, compliance and regulations. It is more important than ever for professional drivers and trucking companies to keep informed of new transportation regulatory activities.

Click here to read this PRESS RELEASE About Missouri Transportation Insurance that was published by Great American Financial Resources.

MJM Insurance of Fenton Offers Transportation and Livery Coverages for Trucking, Limo and Taxi Cab owners, operators and fleets.

 

 

Tow Truck Insurance Fenton Missouri | (636) 343-5000

We Will Shop Your Tow Truck Insurance in Fenton Missouri!

Tow Truck Insurance in Fenton Missouri | MJM Insurance of Fenton  (636) 343-5000If you have been searching for ” Tow Truck Insurance Fenton Missouri “, your search is over.  MJM Insurance of Fenton has agents who specialize in Transportation Insurance Services, and they know almost as much about your business as you do.  Our agents have relationships with many Missouri Transportation Insurance Carriers, which allows us to shop Towing insurance for you and customize your policy to meet your needs.

Tow truck owners who do not carry the proper insurance coverages are taking a huge risk.  If you are involved in an accident and a car you are towing skids into another vehicle, you would be responsible for paying medical expenses and property damages related to the accident.  Insurance is especially important if you operate your tow truck in inclement weather or tow vehicles that may have hazardous materials on board.

~ Accidents Happen and That is Why it is SO Important to Protect Your Livelihood ~  

Commercial drivers and truckers must carry tow truck insurance.   If you do not, you will be responsible for property and bodily injury damages that exceed the amount of insurance your policy will pay.  Bodily Injury and Property Damage Coverages are standard forms of liability insurance that all motor vehicle owners are required to carry by Missouri law.  Failure to keep the minimum insurance requirements on your tow truck could result in fines and/or you could have your commercial driver’s license suspended.

There are several types of businesses that need Tow Truck Insurance in Fenton Missouri.  Our agents will work directly with:

  1. Roadside Service ProvidersTowing Insurance in Fenton Missouri | MJM Insurance of Fenton  (636) 343-5000
  2. Auto Salvage Companies
  3. Auto Club Contractors
  4. Rotational Towing
  5. Auto Repair Shops
  6. Auto Body Shops
  7. Car Dealerships
  8. Police Towing and Impound Lots
  9. And More! – Give us a call and ask!

Alert:  Not All Tow Truck Insurance Is The Same

Missouri tow truck insurance coverages may vary among Insurance Carriers, so it is important that you work with an Agent that represents multiple, top-rated Transportation Insurance Companies.  Agents with MJM Insurance of Fenton can also customize your Business Auto and Garage Legal Liability policy to fit your Towing Service business needs.

Basic Business Auto Coverages

Tow Truck Insurance in Fenton Missouri | MJM Insurance of Fenton  (636) 343-5000

  • Bodily Injury protects you in case you cause an accident in which another person is injured. It covers the damages that you’re legally responsible for, and provides a legal defense if someone sues you for damages.
  • Property Damage covers your legal responsibility for damages to the property of others caused by collision with your car. In an accident, the “property of others” is usually another car, but it also covers damage to public and private property such as road signs, bridges or buildings, up to the limits written into the policy. 
  • Fire and Theft Coverage provides protection for your vehicle in case it is damaged by specific, non-collision incidents. Specific circumstances include fire, theft, windstorm or hail, earthquake, lightning, flood, vandalism and collision with an animal.
  • Collision and Comprehensive Coverage insurance protects you if your tow truck is damaged due to a non-auto accident related event. Comprehensive insurance, as well as fire and theft insurance, would protect you if your tow truck was stolen or damaged due to a fire.
  • Uninsured/Underinsured Motorist Coverage protects you in the event that you or your tow truck incur damages caused by another driver who did not have enough, or any, auto insurance to cover the damages that were made to you or to your tow truck.

Tow Truck Insurance in Fenton Missouri | MJM Insurance of Fenton  (636) 343-5000

Source: www.wikimedia.org

On-Hook Towing Insurance

This coverage will help pay for damages to vehicles you are towing.  The on-hook coverage is generally provided by the garage keepers legal liability (GKLL) endorsement (see below). The GKLL limit is a blanket limit that applies to all towing vehicles on the policy.

Garage Keepers Legal Liability Insurance

This will cover vehicles you are storing for clients.  The GLL insurance is usually provided as an automatic endorsement that is added to the Business Auto coverage. This liability coverage covers loss of, or physical damage to vehicles being towed, and while in your care, custody, or control and is designed for towing and wrecker service businesses.  As mentioned above, the on-hook coverage of garage keepers’ legal liability insurance provides coverage for a non-owned vehicle that you are towing.

Miscellaneous Property Floater

A miscellaneous property floater covers your business personal property that is in transit such as tools and other cargo that you have in your tow truck. This coverage will protect against risks of direct physical loss or damage to your scheduled covered property.

Motor Truck Cargo Insurance

Tow Truck and Wrecker Service Insurance in Fenton Missouri | MJM Insurance of Fenton  (636) 343-5000

Motor Truck Cargo insurance is provided via an endorsement to insure items other than motor vehicles licensed for road use.  This coverage provides legal liability for towing companies while transporting property (cargo) of others.  Since the towing operator is seen as a common carrier, they are responsible for the safe delivery of the goods they are transporting (customer’s vehicles and the contents of the vehicle), and thus owe a very high degree of care to their customer.

Business Income & Extra Expense Insurance

Business income insurance & expense coverages will reimburse your towing business for loss of income and profits if your property is damaged from a covered peril and out-of-service.  The coverage continues until the property can be restored or replaced, or until the limit has been reached. The extra expense coverage includes extra expenses that business must make during the time of loss such as rent, mortgage payments, taxes, and utility services.

Tow Truck Commercial Auto Insurance Filings

Different Trucking Operations require different filings.  Do Not Worry–We help our clients with the State and Federal Transportation Insurance Filing Forms including those listed below.

Federal Truck Filings and Forms

  • BMC-32 filing
  • BMC-34 filingTow Truck and Wrecker Service Insurance in Fenton Missouri | MJM Insurance of Fenton  (636) 343-5000
  • BMC-91 and BMC-91X filing
  • MCS-90 form

Intrastate Truck Filings

  • Form E filing
  • Form F filing
  • Form H filing
  • Form K filing

Tow Truck Insurance Resources

Federal Motor Carrier Safety Administration
www.fmcsa.dot.gov/

US Department of Transportation
www.dot.gov/

The National Transportation Safety Board
www.ntsb.gov/

Directory of State Patrol and State Police
https://www.statetroopersdirectory.com

Missouri State DOTs and MVRs
www.modot.org/
www.dor.mo.gov/mvdl/

MJM Insurance of Fenton is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice® Pledge.  Our agents will work with you to help you understand your  Missouri Tow Truck Insurance options and review your risks to ensure you are properly protected.  Contact us today for a free evaluation of your current policy and risk assessment.

 

Additional Insurance Coverages Our Agents Can Offer You

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Trucking Insurance Coverages in Fenton Missouri | (636) 343-5000

MJM Insurance of Fenton Can Shop for the Best Insurance Protection at the Right Price

Trucking Insurance Coverages in Fenton Missouri | MJM Insurance of Fenton | (636) 343-5000Missouri and the Federal Motor Carrier Safety Administration have specific insurance requirements for tractor trailers. Some coverages are required by law, like primary liability, and others, such as physical damage coverage, are just smart to have.

MJM Insurance of Fenton is a leader in providing all-inclusive programs for Trucking Insurance Coverages in Fenton Missouri.  Our licensed agents have more than 60 years combined experience with automobile liability, general liability, physical damage, motor truck cargo, and workers compensation insurance.  As a business owner who relies on transportation for a living, we understand the importance of having the right insurance in place.

MJM Insurance of Fenton can help you protect your source of revenue, with coverages designed for professional truck drivers and trucking operations. We offer transportation insurance for most types of trucks, including Box trucks, Semi trucks, Flatbed trucks, Front loaders, Tank trucks, Tractors, Dump trucks, Auto hauler trailers, Garbage trucks, Pickup trucks, Flatbed trailers, and more.

Because trucking is a unique industry, insurance carriers offer different types of risks.  Our agents have access to multiple carriers that offer exclusive coverages and options to choose from. We can shop your insurance for you and find a company that is competitive with your specific insurance situation.

Trucking Insurance Coverages in Fenton Missouri include:

Trucking Insurance Coverages in Fenton Missouri | MJM Insurance of Fenton | (636) 343-5000General Liability Insurance covers damages to another person resulting from an accident you cause.  Coverages Include:

  • Bodily Injury and Property Damage Liability
  • Personal Injury and Advertising Injury Liability
  • Medical Payments
  • Products / Completed Operations
  • Damage to Premises Rented to You – Note: Coverage available for 7 days or less

Primary Liability Insurance – covers the damage you might do to other people or property.  Primary Liability Insurance does not cover you or your truck, theft or bodily injury.  Click here to learn about the minimum amount of primary liability insurance that is set by the Federal Motor Carrier Safety Administration.

Motor Truck Cargo Coverage – provides insurance on the goods hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load. If you are in an accident, commercial cargo insurance will pay for destruction or damage to the load that is being carried.

Removal Expense Coverage  – protects you if your load is accidentally dumped on a roadway or waterway. The coverage pays for the cost to remove debris or extract pollutants caused by the debris.

Sue and Labor Coverage  – pays for costs related to preventing further loss to damaged cargo, legal expenses in the defense or settlement of claims.

Earned Freight Coverage – pays for the freight charges the customer loses because of not delivering a load.

Our agents will sit down with you to discuss the different Trucking Insurance Coverages in Fenton Missouri and help you determine what best meets your situation.  Additional coverages include:

  • Trailer Interchange
  • Medical Payments
  • Uninsured Motorist
  • Workers Compensation
  • Trucking Umbrella
  • Physical Damage
  • Bobtail Insurance and Non Trucking Liability Insurance

As a business owner, you want to be sure to get the best value for your money. And to get the best value, there are actions you can take to prove to the insurance companies you are a responsible driver and/or business owner. Detailed record keeping will not only help the business owner stay organized, but will give you the upper hand when searching for the best insurance rates.  Nonetheless, best practices for a trucking company should include maintaining a list of vehicle types, vehicle uses, recording the mileage of each vehicle and the distance each vehicle travels each year.

As your partner in business, MJM Insurance of Fenton is dedicated to providing you with the right transportation insurance solutions. Whether you are an owner-operator or manage a full fleet,  give us a call for a free consultation on your trucking business.

(636) 343-5000

Additional Resources:

Missouri Department of Transportation

Missouri Department of Motor Vehicles

Missouri Trucking Association

Missouri Department of Insurance

Federal Motor Carrier Safety Administration

Click here for the Missouri Trucking Guide.

Fenton Missouri Limo and Taxi Livery Insurance Coverages

Protection for Your Transportation Business

Fenton Missouri Limo and Taxi Livery Insurance Coverages | MJM Insurance of Fenton | (636) 343-5000Our primary goal as insurance agent is to protect our clients and their businesses by providing a proactive approach to their insurance needs. As a partner in business, we understand the need to protect our investments and livelyhood. Fenton Missouri Limo and Taxi Livery Insurance Coverages are required for limo and taxicab companies, whether they are individually owned, or a large fleet operation.

When it comes to purchasing Missouri public livery transportation insurance, we understand that many people consider the lowest price.  The lowest price is not necessarily the best option, so it is  our agents priority to analyze the customer’s needs and requirements. MJM Insurance® of Fenton has direct appointments with many transportation carriers.  This allows us to shop a variety of Missouri insurance companies, and to create a customized Limo and Taxi Insurance package that best meets the needs of our customers.

MJM Insurance® of Fenton is here for the long term.  As a Trusted Choice agency, we are dedicated to you and are committed to treating you as a person, not a policy.
Fenton Missouri Limo and Taxi Livery Insurance Coverages | MJM Insurance of Fenton | (636) 343-5000The insurance market changes year after year.  As licensed agents, it is our job to stay educated by the latest trends and pricing tiers in the transportation insurance industry.  We understand obtaining Fenton Missouri Limo and Taxi Livery Insurance Coverages is not necessarily an easy task, and we are here to help!

There are several options available to choose from and it is important to have a professional agent assess your business needs.   It is helpful to have details of your business to get the most accurate Limo and Taxi Livery Insurance Coverages.  The following is a list of business information you will need to begin a Limo and Taxi Insurance Quote:

  • Complete vehicle description including the model, year, ID number, and serial number.
  • Use of the vehicle and geographical location of customer base.  (<50 miles, >100 miles, etc.)
  • Actual cash value of the vehicle as is, and the cost to buy a new vehicle.
  • Garaging location and the description of garaging location.
  • A list of all drivers’ name, age, state and license number.

Click here for Missouri  Taxi & Transportation License Information

MJM Insurance® of Fenton is committed to the transportation industry and ensures that we can find the right insurance program for your particular needs.  Our agents will discuss the following coverages with you:

  • Auto Liability
  • Auto Physical Damage
  • General Liability
  • Property
  • Packages
  • Excess Auto Liability
  • Excess General Liability
  • Workers Comp

We do not perceive our clients as a sale. We continue to serve our clients and review your needs from time to time to ensure you still have the best coverage that meets your needs.  Call us today to begin a prosperous, long term relationship with experts in Limo and Taxi Livery Insurance Coverages in Fenton Missouri.  For a fast quote call (636) 343-5000.

Fenton Missouri Limo and Taxi Livery Insurance Coverages| MJM Insurance of Fenton | (636) 343-5000

 

 

Trucking Insurance in Fenton Missouri

A Giant Industry With Enormous Risks

Trucking Insurance in Fenton Missouri | MJM Insurance of Fenton | (636) 343-5000MJM Insurance of Fenton is a leader in providing all-inclusive programs for Trucking Insurance in Fenton Missouri.  Our licensed agents have more than 60 years combined experience with automobile liability, general liability, physical damage, garage liability, motor truck cargo, and workers compensation insurance.  We know without the right protection, there can be serious repercussions.

Whether you drive tractor trailers, box trucks, or flatbeds, and you depend on your truck for your business, MJM Insurance of Fenton can help you protect your source of revenue, with coverages designed for professional truck drivers. We offer truck insurance for most types of trucks, including Box trucks, Semi trucks, Flatbed trucks, Front loaders, Tank trucks, Tractors, Dump trucks, Auto hauler trailers, Garbage trucks, Pickup trucks, Flatbed trailers, and more.

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Limo and Taxi Insurance in Fenton Missouri

Specialty Programs Designed for the Transportation Industry

Limo and Taxi Insurance in Fenton Missouri | MJM Insurance of Fenton | (636) 343-5000Taxi Cab Drivers and Limousine Operators have a tough time trying to find affordable Limo and Taxi Insurance in Fenton Missouri.  MJM Insurance of Fenton understands transportation is a unique industry and we are here to help!  We provide personalized insurance coverages that cater to the insurance needs of taxi and limo operators – from single operators to large sophisticated fleets.

Taxi Cab and Limo Drivers must provide reliable service, whether to get their passengers to the airport or to transport their party guests around town.  If you have a problem with your limo, you need to be able to fix it quickly and be back on the road as soon as possible.  You also need to be covered if an accident leaves you and your drivers exposed to a large liability claim.   MJM Insurance of Fenton will shop many carriers for you to get the right Taxi and Limo Insurance in Fenton Missouri.  We serve clients throughout Missouri, including High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair.

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