Auto Insurance Agent Fenton Missouri by MJM Insurance of Fenton 

Posts

Instant Auto Insurance Quote Missouri

MJM Insurance of Fenton MO Enhances Insurance Quote Automation for Buyers

Instant Auto Insurance Quote  |  Missouri  MJM Insurance of Fenton  |  (636) 343-5000 Through a new auto insurance quote engine on our website, MJM Insurance of Fenton now offers the ” Instant Auto Insurance Quote Missouri ” platform.  This platform provides instant auto insurance quotes from multiple carriers.  As an Independent Insurance Agency, our licensed insurance agents have access to more than 15 different personal and commercial line insurance carriers.  This new system makes shopping for insurance easier for the consumer.

The new automated system is available to Missouri residents at http://fentoninsurance.net/insurance-quote/.

MJM Insurance of Fenton offers competitive rates through Travelers, Safeco, EMC, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.  Enhancing the quote automation for buyers makes the process to shop and receive auto insurance quotes from multiple carriers quick and easy.

Anyone interested in receiving a quick auto insurance quote can go to the website, click on the auto insurance quote button and complete the form with as much information as possible.  In less than 5 minutes, your Instant Auto Insurance Quote Missouri will appear on the screen that includes a comparative list of Auto Insurance Quotes From Multiple Carriers. The quotes are produced based on the information entered into the system.

MJM Insurance of Fenton follows the highest industry standards to safeguard the confidentiality of personal information and secures the transmission of information through this new automated system. When you request an auto insurance quote, rest assured the inquiry does not impact your credit score, or show up on your credit report.

When buying auto insurance, it’s important to consider not only the price, but also the carriers and the coverages.  The following information is provided as a guide to the insurance coverages all drivers need to consider.  MJM Insurance of Fenton agents are readily available to assist consumers with questions about Missouri auto insurance.

AUTO INSURANCE COVERAGES TO CONSIDER

Instant Auto Insurance Quote  |  Missouri  MJM Insurance of Fenton  |  (636) 343-5000

CLICK THE LINK IN THE SIDEBAR FOR YOUR INSTANT AUTO INSURANCE QUOTE 

Liability Coverage. Liability is required by law. It 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.

Uninsured/Underinsured Motorist Coverage.  Uninsured/Underinsured Motorist Coverage protects you if you’re in a car accident and the other driver is at fault – and that driver doesn’t have car insurance, or only carries the state minimum!

Comprehensive & Collision. Comprehensive and collision coverages are optional and usually required if you lease or have a lien.

Comprehensive Insurance Coverages
Comprehensive will help cover costs of damage to your vehicle that result from an event that is not an accident.

Collision Insurance Coverage

Collision Coverage pays for damages to your vehicle after a collision with another car or object.

Medical Coverage

Medical coverage is an important auto insurance coverage, and also optional. Medical 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.

 

OUR TEAM + ADVANCED AUTOMATION = SUPERIOR SERVICE

It is our duty to insure consumers understand what coverages may best meet their needs.  Consumers can get a quick auto insurance quote and have access to professional insurance agents–to help them make an informative decision and avoid potential risks.  Contact us now if you need anything!

MJM Insurance of Fenton is a full service independent insurance agency representing many of Missouri’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the Fenton Missouri insurance industry, our agents are knowledgeable and competent specializing in auto, home, renters, boat, motorcycle, business automobile, workers compensation, and general liability. With our utilization of cutting edge automation, we’re able to provide superior service to our clients including A+ rated insurance products.

MJM Insurance of Fenton is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge, and we proudly represent many of the industry’s leading national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, MetLife, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.

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, Crestwood, Manchester and St. Clair. Our professional insurance agents at MJM Insurance of Fenton can help you get the best value for your fundamental insurance needs.

For our clients’ convenience, our agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9am to 6pm.

Get your free Instant Auto Insurance Quote Missouri online at http://fentoninsurance.net/quote-submit/personal-insurance-quotes.

Auto Insurance, Life Insurance, Home Insurance

Co-Founder of Alternatives Insurance Group is re-branding AIF to MJM Insurance

MJM Insurance of Fenton now offers more competitive products and solutions for Missouri consumers, including Missouri Auto Insurance, Life Insurance, Home Insurance and Business Insurance.

Contact MJM Insurance of Fenton for more information (636) 343-5000 and click the image below to read the full article!

MJM Insurance of Fenton Auto Insurance, Home Insurance, Business Insurance | (636) 343-5000

 


 

The following article was published on a variety of networks including ABC, Fox and NBC. It has also been syndicated to news RSS feeds and announced within the most popular newsdesk databases.

Marc Majnerich, co-founder of Alternatives Insurance Group, is re-branding Alternatives Insurance of Fenton to MJM Insurance of Fenton. This change is one of the many to come. MJM Insurance of Fenton opened in 2002 as a full service independent insurance agency and a corporate location member of Alternatives Insurance Group, a group membership organization of local St Louis area insurance agencies founded in 1992. The licensed insurance agents have a combined 70+ years of experience and are dedicated to provide personal and business insurance tools, resources and the most current technology. Each year, their licensed professionals maintain the certified educational requirements required by the Missouri Bureau of Insurance. The team continues to add products to specifically meet Missouri residents needs.

“Less is more” is the idea of the re-brand design concept. Less relates to narrowing down the available insurance products to a handful of key partners. Safeco, Travelers and Progressive will likely be the top three, out of more than 15 carriers, for years to come. More relates to reducing the number of carriers is a value-added benefit in that the agents and staff members are able to stay on top of current trends, stay educated and up to date on all represented carrier partner underwriter practices for each carrier that is represented by MJM Insurance of Fenton. In fact, a large part of the success of local captives is the fact they know the ins and outs of one single company, and they know the ins and outs very well.

In addition to the new brand and eye catching design, MJM Insurance of Fenton has incorporated a custom Client Portal allowing clients to access basic policy information, quick link to the carriers and their insurance documents 24/7. MJM Insurance of Fenton also offers a web based Consumers Rater for Missouri consumers looking for instant personal lines quotes from Safeco, Travelers, The Hartford, Progressive, EMC, MetLife and several other A+ carriers. “Our use of technology allows us to have fewer staff members yet still provide the highest quality efficiency and superior service to our clients and prospects.”, reports Marc Majnerich, owner of MJM Insurance of Fenton. MJM Insurance as a whole, is the single largest annual net written premium volume agency of the Alternatives Insurance Group.

Get instant quotes or policy access, anywhere, anytime, any device.

“Over the next few years, I plan on reaching out to strong regional insurance carriers in order to fill voids. I think offering quality products to consumers which prefer buying from local independents and regional insurance carriers will become more and more common. Buying power will be shifting from baby boomers to millennials.. and our goal to be prepared to communicate and offer technology based features as well as allow clients to dial our direct extensions with the push of a button or clicking their mouse… In fact, the new world of impatient consumers refuse to hold or verbally ask for their agent. They simply want direct contact immediately or elect to no contact at all.”, says Marc Majnerich of MJM Insurance of Fenton.

MJM Insurance of Fenton is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.

 

Auto Insurance Quote Fenton Missouri

Our Team + Advanced Automation = Superior Service℠

Auto Insurance Quote Fenton Missouri from Mutiple Carriers by MJM Insurance of Fenton Missouri (636) 343-5000Have you been searching the internet for “Auto Insurance Quote Fenton Missouri.”  If so, your search is over!  Just click on our Instant Quote Line and complete the online Auto Insurance quote engine form. In only a few minutes, you will have Fenton Missouri Auto Insurance Quotes from multiple, top rated, insurance companies.

 With our utilization of cutting edge automation, we’re able to provide superior service to our clients including A+ rated insurance products.  Our agents proudly represent many of the industry’s leading insurance carriers so we can offer you competitive rates through Travelers, Safeco, EMC, MetLife, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.

 If you’re like our insurance agents, your busy with work, picking up the kids, making dinner and so on. By the time the weekend comes around we pay the bills and wonder where all the money has gone! MJM Insurance of Fenton can help you save time and money with our new online quoting system.  In just a few minutes, our system will calculate your Auto Insurance Quote Fenton Missouri!

Auto Insurance Quote Fenton Missouri

Auto Insurance Quote Fenton Missouri from Mutiple Carriers by MJM Insurance of Fenton Missouri (636) 343-5000Visit Fenton Missouri Auto Quote Page to get your instant, online quote.  Once you receive your Fenton Missouri Auto Insurance quick quote, one of our agents will be in contact to help speed the process along.  Missouri Auto Insurance has many components and varies from company to company.  It is not an easy task to understand all of the issues involved in making a decision about what car insurance policy and features are best for you.  Buying just any policy without fully understanding your risk and coverage needs could be a very costly mistake.  So, with your information, we will shop your auto insurance for you – saving you time.  It does not cost more to have our professional assistance—we are likely to find the best
coverage to meet your needs for a lower cost by shopping many top-rated companies.

Missouri Auto Insurance prices vary for each individual, family, college student, homeowners, etc. For example, people with good driving records pay less than a driver with traffic violations or collisions where they have been at fault.  Prices will also vary depending on where the driver lives.  A person who lives in a major city such as St Louis, will pay more than someone who lives in a small town, despite the two having the same driving records.  

Auto Insurance Quote Fenton Missouri from Mutiple Carriers by MJM Insurance of Fenton MissouriMJM Insurance of Fenton is a full service independent insurance agency representing many of Missouri’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the Fenton Missouri insurance industry, our agents are knowledgeable and competent specializing in Missouri Auto Insurance, Home Insurance,  Renters Insurance, Business Insurance, Workers Compensation Insurance, and, don’t forget the boat & motorcycle!

MJM Insurance of Fenton is committed to outstanding customer service.  We pride ourselves knowing that we offer the best insurance products at an affordable price that meets your needs. Our professional agents can handle your transactions with ease and help you understand your risks, the proper coverage, and benefits. You can trust that our agents have strong credentials and stay on top of current trends in the insurance industry.  We maintain relationships with insurance carriers, that allow us to provide quick turnaround time on all your questions, needs, and insurance claims.  

Our staff members are trained to be proactive and provide the right answers, helping you understand your insurance coverages. Most importantly, we will earn your trust by becoming your partner. 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.


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.

Searching for an Auto Insurance Quote in St Louis Missouri?  Visit MJM Insurance of St Louis.

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

services_table

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.