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Where To Learn More About Auto Insurance In Arnold MO | (636) 343-5000

HERE!  MJM Insurance of Fenton!

Where To Learn More About Auto Insurance In Arnold MO |   MJM Insurance® of   Fenton | (636) 343-5000There are so many resources where to learn more about auto insurance in Arnold MO – we understand it can be overwhelming.  When you search “ where to learn more about auto insurance in Arnold MO” on the internet, there are about 1,400,000 results!  That’s a lot of data!  Perhaps you should consider consulting with a friend, a family member and contact state resources.  Don’t spend your time searching, call MJM Insurance of Fenton!  We are the best place to learn more about auto insurance in Arnold MO.  Our expert agents are here to help you!

When searching where to learn more about auto insurance in Arnold MO, State insurance departments are the best sources for company and agent licensing information.  The Missouri Department of Insurance is a valuable resource for consumers.  Here you can find laws & regulations, find forms and find a reputable insurance company.

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What is Uninsured Motorist Insurance in Fenton Missouri?

Don’t Take A Risk By Not Being Informed

What is uninsured motorist insurance in Fenton Missouri? | MJM Insurance® of Fenton | (636) 343-5000

MJM Insurance® of Fenton is Your Personal Insurance Advisor

There are other clauses in your insurance policy that are imperative to include so that you are properly insured. Many of our clients have asked themselves what is uninsured motorist insurance in Fenton Missouri? An uninsured motorist clause is an additional clause in an auto insurance policy that provides for a driver to receive damages for any injury he or she receives from another uninsured  driver who fails to maintain the proper insurance coverage by not having insurance or carrying inadequate insurance coverage.

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Auto Insurance Requirements in Fenton MO | (636) 343-5000

Risks You May Be Taking If You Do Not Have The Proper Coverage

What Are Auto Insurance Requirements in Fenton Missouri? | MJM Insurance® of Fenton | (636) 343-5000Many people ask themselves, “ What Are Auto Insurance Requirements in Fenton MO? “  First, and foremost, Missouri law requires that all motor vehicle owners maintain at least the state minimum auto liability insurance coverage. MJM Insurance® of Fenton agents are here to help you understand the requirements for auto insurance and the risks you may be taking if you do not have the proper coverage.

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Fenton Missouri Auto Insurance Information | (636) 343-5000

Auto Insurance Basics

Fenton Missouri Auto Insurance | MJM Insurance® of Fenton | (636) 343-5000Auto insurance is something that every driver should have. A lot of people simply go and get a quote for the minimum that is required for Fenton Missouri Auto Insurance and do not really pay attention to the kind of coverage that they are getting. It is important that you recognize the value of the car insurance coverage that you are getting.

MJM Insurance® of Fenton can help you understand how much the right auto insurance coverage can protect you from the financial liability you will have to assume, if you should get into an auto accident. It is important to find out what kind of protection your auto insurance provides, understand your insurance needs, and make sure that the insurance protection you purchase will give you the best insurance coverage at the most affordable rate.

An auto insurance policy is a contract between you and the insurance company.  The contract guarantees that the insurance company will pay up to the covered amount for necessary expenses resulting from named contingencies. Simply put, if you injure another person or damage their vehicle, your car insurance company would pay them up to the maximum amount stated in your contract for medical expenses or repair expenses.

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Fenton Missouri Roadside Assistance Auto Insurance | (636) 343-5000

Emergency road service is convenient, easy and cost effective to add to your auto insurance policy.

Fenton Missouri Roadside Assistance Auto Insurance coverage provides towing to the nearest qualified repair facility and covers a specified amount of the necessary labor at the place of breakdown when your automobile is disabled due to mechanical or electrical breakdown, dead battery, lost or stolen keys. Roadside assistance also covers replacing a flat tire with your spare, help when you’re locked out of your car, delivering gas when your tank is empty, low oil, water or other fluids and entrapment in snow, mud, water or sand.  Fenton Missouri Roadside Assistance Auto Insurance can help you with these hassles and inconveniences to get your car back on the road or to a facility where repairs can be made.Fenton Missouri Roadside Assistance Auto Insurance | MJM Insurance® of Fenton (636) 343-5000

Get emergency roadside assistance when you need it.  It can be a major inconvenience when you really need to get somewhere and you’ve got a flat tire. Or you’re out of gas. Or your car just won’t start. Roadside assistance gives you the comfort knowing you have backup when you run into trouble on the road.

MJM Insurance® of Fenton can help you choose the Fenton Missouri Roadside Assistance Auto Insurance that fits your needs at an affordable rate.  Some carriers offer two levels of emergency roadside assistance coverage so you can select the level of service that best meets your budget.  This coverage applies to everyone on your policy, in any car you might occupy.   The following list shows the various services available through the carriers MJM Insurance® of Fenton represents.  Of course each carrier has restrictions and limitations and our agents will find the best Fenton Missouri Roadside Assistance Auto Insurance that meets your needs.

  • Towing up to 15-100 miles.
  • Ditch extraction service.
  • Emergency fuel if your tank is empty.
  • Jump start if your battery is dead.
  • Lockout service up to a specified dollar amount.
  • Trip interruption coverage that will reimburse your expenses for alternate transportation, lodging and meals when you’re stranded away from home.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations.

 


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.

Price Shopping Auto Insurance

The agents at MJM Insurance® of Fenton have access to more than 20 carriers. Let us price shop for you!

Do you wonder if your policy rates are too high? Do you wish you knew more about auto insurance? You’re in the right place! This articlePrice Shopping Auto Insurance | MJM Insurance of Fenton
contains plenty of tips that will make you more knowledgeable about auto insurance. Whether you’re looking for a new policy or just looking for information, these tips will help you out. The best way to know you’re paying a fair price for insurance is to allow MJM Insurance® of Fenton do the price shopping for your auto insurance

When considering auto insurance for a young driver, keep in mind the type of car in relation to the type of insurance you are buying. If the car itself is not worth that much money, pay special attention to the extras on the policy, as well as the deductible amount. Most providers will work with you, based on your choices.

When getting car insurance is not a wise idea to only get your state’s minimum coverage. Most states only require that you cover the other person’s car in case of an accident. If you get that type of insurance and your car is damaged you will end up paying many times more than if you had the proper coverage.

Many people mistakenly believe that insurance premiums do not begin to decrease until a young driver reaches the age of 25. However, if they are a good driver, a young person’s insurance rates start dropping at the age of 18.

Stay far away from vehicles with the word “sport” included on them. Anything that goes fast is viewed negatively by insurance companies, as these can influence drivers to take more risks, which in turn costs them more money. Steer clear of sporty vehicles unless you want your premiums to get higher.

If you plan on buying a new car, but want to keep your insurance rates low, buy a cheaper car. The more expensive a car is to repair, the more money your insurer will require from you. You will save money in buying a lower priced car.

Be extra careful when you drive so as not to be caught in a scam. Insurance rates are as high as they are due to sophisticated staged accidents which are perpetrated by criminals all over the country. Ensure that you photograph any crash scene, and call the police immediately to report the accident.

Be aware of everything you are insuring. A lot of people have car insurance but surprisingly few actually look at the individual things they are insuring. It is important to know your insurance coverages. You don’t want to get in a wreck and find something expensive wasn’t covered by your insurance.

If you have a good health insurance that will cover any cost linked to an injury sustained in a car accident, and if you do not carry many passengers that may not have health insurance, you can save money by dropping the medical payment features of your auto insurance. You should read carefully your health insurance policy to make sure you are covered for everything.

Seek out rates from a variety of insurance companies before picking out your car’s insurance. You will most likely need to shop around and do some research to obtain the best rate you can.

A great tip to use to save money on your auto insurance is to pay for the policy in full. By doing this, you can save upwards of 30% on your auto coverage. Paying month to month may be more convenient, but it can also be a lot more expensive. Paying in a lump sum is preferable, if you have the means to do so.

Look at your auto insurance bill carefully, and make sure that it incorporates all the possible discounts that you might be entitled to. For example, if you are someone who does not drive too much, then you can possibly qualify for a low driver discount. You might have to show proof of this, but it could save you some of money.

Pay for your auto insurance coverage in one payment up front. When you pay in full you will not be charged interest charges as you would if you were paying monthly. This means some companies also offer you a discount if your coverage is paid for ahead of time. Monthly payments can be convenient, but they may not be as affordable as you would like.

To get a good deal on your auto insurance pay for your coverage in full up front. By paying in full you won’t have to pay interest charges that you would normally pay for on a month to month basis.

One of the things that you can do in order to lower the monthly payments on your car insurance is by adding your spouse to the insurance policy. Some insurance companies give reductions when they know that their customer is married as opposed to being unmarried. They see marriage as a sign associated to stability.

Use the internet when shopping for auto insurance. Many companies now offer sites where you can plug in some information and get an instant quote. Some brokers are even available online who can shop multiple companies for you. Shopping on the internet saves you time and keeps you from having to talk to pushy sales people as well.

When searching for an auto insurance policy that is right for you and your vehicle, be aware of how much coverage you actually need. It is dangerous to be underinsured, but if you have have too much insurance, it can be an expensive mistake since you are paying for what you may not need.

Make sure you check with your insurance company to see what discounts might be available to you. Sometimes breaks are given to drivers who travel under 7,500 miles a year. In addition, using the bus or public transit to commute to work will usually lower your premiums. If public transportation isn’t possible, you could always consider carpooling.

Important information about auto insurance usually isn’t taught in schools or in driver’s training courses. It’s your responsibility to find this information on your own. The advice in this article will make you more knowledgeable about auto insurance, which may make it easier to make smart choices when looking for insurance in the future.

 


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.

Auto Insurance Tips to Save Money

Auto Insurance Education Can Save Money

It is important to become educated about auto insurance.  MJM Insurance® of Fenton agents have more than 10 years in insurance and maintain ongoing credentials to keep you informed of coverages and discounts.  We want to ensure you have full protection for you and your family.  Making bad decisions can cause you to waste a lot of time and money. Below you will find some very useful auto insurance tips to save money and save you hassles in the long run.Insurance Cost Increase | MJM Insurance of Fenton

As an automobile insurance customer, you should always be on the lookout for scams. With new insurance companies popping up every day, some of them make bold statements and promise to offer lower monthly premiums, but the coverage is most likely the bare minimum, with a high (sometimes not affordable) deductible, and one accident could drastically increase your costs after you file a claim.

If you decided to buy non factory equipment for your vehicle (custom paint or rims, a top of the line stereo system, etc…), check with your agent to make sure that these items are covered.  Many auto insurance policies do not cover aftermarket or non factory equipment.  These extras can be a very expensive loss if not covered.  Some auto insurance companies offer to cover such items, but they must be added to the policy—so ask your agent to make sure.

Check and see if your car insurance provider offers any low-mileage breaks. If you do not drive your car often, this could end up saving you a fair amount of money. There is no harm in asking your provider whether they offer something like this and whether or not you qualify.

An important consideration in securing affordable auto insurance is the condition of your credit record. It is quite common for insurers to review the credit reports of applicants in order to determine policy price and availability. Therefore, always make certain your credit report is accurate and as clean as possible before shopping for insurance.  Its not a bad idea to check your credit report every 6-12 months.

Take a driving course to get a discount on auto insurance. Young drivers who have taken a driver’s education course are usually
eligible for discounted auto insurance rates. Similarly, older drivers who take a defensive driving course are also eligible for discounts on auto insurance. Check with your insurance company to see if they offer these discounts.

If you are trying to save money on your auto insurance, you shouldn’t buy new cars for teenagers. A better alternative is to have them drive one of your existing vehicles. If you add them to your current insurance plan as an occasional driver, it may be a lot cheaper. If they need to have their own vehicle, a safe, but low cost one (under $5000) that may only need liability coverages, will also save money.   It’s even possible to get a discount, if your kids get good grades.  Be sure to check with your agent about any these or other ways to best meet the insurance needs of youthful drivers.

Although many people realize that the type of car can affect the price of insurance, you should also be aware that the rarity of the car will change the price. If you have a car which has very expensive prices of repair, this will be reflected in the price of your insurance as well!

The prClassic Car Insurance | MJM Insurance of Fentonice you pay for car insurance will be affected significantly by the infractions that appear when your records from the DMV are accessed. You will lessen your insurance costs when your points go away. Once they have been removed, it might be a good time to get new quotes on auto insurance!

You should not let your insurance coverage lapse. If you are not able to pay for your insurance policy in full, you should call and talk to on of our agents. If you allow the policy to lapse, many companies will charge you more when you reinstate or purchase a new policy.  You are also taking a big risk should you have an accident. And driving without insurance carries a big DMV penalty in Missouri and your auto insurance rates could stay high for three or more years. That is a big risk that can be avoided by making a simple phone call to your insurance agent.

Know what factors affect your car insurance rates. The three key considerations in determining your car insurance rates are age, sex, and actual driving record. Higher rates are given to less-experienced drivers, and males in general. Any ticket that takes points off of your license will also result in an increase rate.

A great tip to getting affordable auto insurance is to make sure that you have an accurate policy. You should make sure your current policy matches your situation because if it does not, you could be paying more when you do not have to. This includes your vehicle information, distance driven to/from work, yearly estimated mileage, etc….

When you raise the deductible on your auto insurance policy, it may reduce your auto insurance payments, which could save a substantial
amount of money. However, when increasing your deductible, you may want to ensure you have the amount of the deductible saved and ready to use in case you get into an auto accident.

You should evaluate exactly how much coverage you actually need. Not everybody really needs full coverage, so why should you have to pay for more then you need. For example, if you have an older car, it might not be worth it to have your car covered. It could save you quite a bid of money, but know that if your car gets totaled, you will not get compensated for it.

Insurance is very important and complicated business, and learning more about it makes you a savvier consumer.  However it is best to have an insurance agent that you trust who can help make sure you have the coverages you need for the best value.

The agents at MJM Insurance® of Fenton will ensure you are taking advantage of every possible auto insurance discount. Discounts include multi-policy, excellent credit, newer vehicles with upgraded safety features, good driving records and for teen drivers, good grade discounts. Contact your MJM Insurance® of Fenton agent and we’ll review your policy, ask a few questions and see if you qualify for additional discounts.


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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.

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.

 

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.

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 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.