Commercial Auto Insurance Options in Kansas City, MO

If you operate a business in Kansas City, MO, and rely on vehicles for your operations, having the right commercial auto insurance is crucial. Understanding your insurance options prepares you to make decisions about your company’s commercial auto coverage.

Understanding Commercial Automobile Insurance

Commercial auto insurance is designed to cover vehicles used for business purposes. Unlike personal auto insurance, which typically excludes coverage for business-related activities, commercial automobile insurance can help provide specific protections tailored to business needs.

Your agent can help you evaluate commercial auto insurance options and choose appropriate policy limits, endorsements and deductibles.

Missouri Commercial Auto Insurance Requirements

Under Missouri law, every motor vehicle driver and owner must maintain a form of motor vehicle liability insurance coverage, including companies using vehicles. Missouri also requires uninsured/underinsured motorist coverage, which can help pay for your vehicle’s damage and the driver and passengers’ injuries after a covered accident with an uninsured or inadequately insured at-fault driver.

Proof of insurance is mandatory for companies registering vehicles and renewing license plates. Liability insurance can help provide coverage for your legal responsibility in situations where injuries or property damage occur due to your actions on the road. Without it, your company could be held responsible for third-party accident-related damages.

Liability insurance pays only up to the policy’s limits, and Missouri’s requirements may not be high enough to cover a severe accident. Your agent can help you set appropriate commercial auto liability limits.

If your company owns or operates heavy machinery or semis, you may also be subject to federal commercial auto liability regulations.

Commercial Auto Coverage Options

If your company finances vehicles, the lienholder can require coverage to help pay for the vehicle’s repair or replacement after a covered accident. They may require the following:

• Collision coverage may help pay for damage to the vehicle after an accident with an object or another vehicle.

• Comprehensive coverage may help pay for damage to the vehicle after a storm, fire, theft, vandalism or other non-collision-related incident.

Your agent may also recommend tailoring your company’s full-coverage commercial auto coverage with cargo insurance and rental reimbursement coverage.

Contact Us

Bargain Insurance Connection in Kansas City, MO, is ready to help you compare commercial automobile insurance quotes—our agents service companies in Missouri, Kansas, and Illinois. Contact us today to understand your state’s requirements and get appropriate commercial automobile insurance at favorable rates.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.