Auto & Motorsports Insurance

Covering you for the road ahead

Auto & Motorsports Insurance Coverage

Anything can happen while you’re on the road or on the water, and it’s important to protect yourself and your family. The Resource Center is dedicated to finding you the best auto insurance plan for the best price. That’s why we partner with several different insurance companies. For more information, contact our insurance experts today.

Auto & Classic Car Insurance

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Simply put, auto insurance is a contract between you and the insurance company. You agree to pay a premium and the insurance company agrees to pay for your losses, due to an accident, as defined in your policy. Our experts will help you determine the type of coverage you need at a premium you can afford.

Auto Insurance Coverage

Auto insurance protects you in three ways:

  • Property coverage pays for damage or theft of your car
  • Medical coverage pays for the cost of treating injuries and rehabilitation
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage
Auto Insurance Policy

Your auto 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.
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Motorcycle Insurance

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In order to choose the right insurance option for you and your lifestyle, it’s important to understand all your options. Most states require that motorcyclists carry a minimum of liability coverage, but other coverages are optional and often recommended. The experts at The Resource Center will help you determine which insurance plan is right for you.

Liability Coverage

Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn’t cover you or your motorcycle. Some policies provide Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle.

Collision Coverage

Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.

Comprehensive Coverage

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage covers damages to you and your property caused by another driver who either doesn’t have insurance (uninsured) or doesn’t have adequate insurance (underinsured) to cover your damages. This coverage typically pays for medical treatment, lost wages and other damages.

Cost-saving Tips
  1. Take a driver training course, such as the Motorcycle Safety Foundation (MSF) rider course. Many companies offer discounts on motorcycle insurance for graduates of training courses.
  2. Take the motorcycle drivers test with the Department of Motor Vehicles to have your license endorsed as Motorcycle Qualified.
  3. Maintaining a good driving record with no violations.
  4. Buy a “lay-up” policy, all coverage except comprehensive is suspended during winter months.
  5. Find out what other discounts your insurance representative offers.

Boat & Marine Insurance

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The Resource Center has policies for most types of boats, including bass boats, cruisers, fishing boats, pontoons, runabouts, sailboats, catamarans and utility boats. Although liability coverage through your homeowners policy may be available, we recommend a separate boat insurance policy with property and liability coverage. If you’re a boat owner looking to get coverage, contact our experts at The Resource Center.

Liability Coverage

Most companies offer liability limits that start at $100,000 and can be increased to a million. Typical policies include deductibles of $250 for property damage, $500 for theft and $1000 for medical payments. Higher limits may be available.

Actual Cash Value Policy

Actual Cash Value policies pay for replacement costs less deductible at the time of the loss. In the event of a total loss, used boat pricing guides and other resources are used to determine the vessel’s approximate market value. Partial losses are settled by taking the total cost of the repair less a percentage for depreciation.

Agreed Amount Value

This type of policy means that you and your insurer have agreed on the value of your vessel and in the event of a total loss you will be paid that amount. Agreed Amount Value policies also replace old items for new in the event of a partial loss, without any deduction for depreciation.

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RV/Trailer Insurance

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Your motorhome, travel trailer or RV offers you the best of both worlds. You get to explore the world and still have the conveniences of home when you stop for the night. However, with this freedom and joy come some additional risks. You’ll need to stay protected both on the road and while parked to camp. With an insurance expert by your side, getting the right recreational vehicle insurance doesn’t have to be expensive or difficult.

Liability Coverage

Protection in case someone is injured in or around your RV.

Personal Property Coverage

Enhanced property insurance that will protect the contents of your RV in case of theft or damage.

Roadside Assistance

Some policies include roadside assistance, which has you covered 24/7 in the event of a breakdown or accident.

ATV & Other Sport Insurance

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ATVs, dirt bikes and other sport vehicles are a great way to enjoy the outdoors. The last thing you want to worry about is whether your insurance policy has you protected. Most specialized vehicles aren’t covered under your standard auto or home insurance policies, especially when you aren’t on your own property and most states require riders to be properly insured.

Motorsports Coverage

The Resource Center offers insurance options for a variety of sports and off-the-road vehicles including:

  • ATV Insurance
  • Dune Buggy Insurance
  • Snowmobile Insurance
  • Dirt Bike Insurance
  • Golf Cart Insurance
  • Other Motorsports Insurance
Collision Coverage

This pays for covered damage to your vehicle when in a collision with another vehicle or other object. Property damage liability coverage insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.

Liability Coverage

This insures you against certain damages if you injure or kill someone while operating your vehicle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.

Comprehensive Physical Damage Coverage

This pays for covered losses resulting from incidents other than collision, including fire, theft, or vandalism.

Motorsports Insurance Discounts

Several factors can affect the cost of insuring a specialty vehicle:

  • Be safe. If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher.
  • Choose your vehicle carefully. Some models of ATVs, snowmobiles, dirt bikes or other off-road vehicles are considered more aggressive machines, and typically cost more to insure.
  • Own multiple. With many carriers, you can receive a discount if you insure more than one specialty vehicle on your policy.
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