Your auto insurance policy may include these seven areas of coverage or a combination of them. Each is priced separately.

1. Bodily Injury Liability: For injuries the policyholder causes to someone else, (required by Missouri law).
2. Medical Payments or Personal Injury Protection (PIP): For treatment of injuries to the driver and passengers of the policyholder’s car
3. Property Damage Liability: For damage the policyholder caused to someone else’s property
4. Collision: For damage to the policyholder’s car from a collision. The collision could be with another car, a fence, a light post, a wall, etc.
5. Comprehensive: For damage to the policyholder’s car that doesn’t involve a collision. Coverage includes fire, theft, falling objects, explosion, earthquake, flood, hit a deer, etc.
6. Uninsured Motorist Coverage: For treatment of the policyholder’s injuries as a result of collision with an uninsured driver (required by Missouri law).
7. Underinsured Motorist Coverage: Additional coverage for treatment of the policyholder’s injuries.
8. Towing and Rental Car: Built-in coverage in case you need to tow your car or need a rental car while yours is getting repaired.
9. Multiple Car Discounts: With more than one car under the policy, the premium for each becomes more affordable.