Choose Your Coverage Options
No matter what kind of car your drive or how often you use it, you generally are required to carry some
form of insurance. And while basic liability insurance may be useful for some, it is woefully inadequate for
Look at some of the auto insurance options we offer in the Ballwin, MO, area:
- Bodily injury coverage pays for injuries to passengers.
- Collision coverage covers only your vehicle from physical damage.
- Comprehensive coverage pays for damage not caused by a collision, such as theft, hail, or
- Liability coverage keeps you protected if you are at fault for an accident.
- Medical coverage pays for medical costs for you and your passengers in the event of an
- Property damage liability coverage pays for damage that your vehicle caused to someone
In the state of Missouri, all drivers are required to carry liability coverage and uninsured motorist
coverage, which will keep you protected if the other driver has no insurance. Some automobile lenders require
more insurance such as comprehensive coverage or collision coverage.
You also need to re-evaluate your insurance needs if your household grows. Some insurance policies don't
leave room for a second driver, so contact your auto insurance agent if you have another driver in the
Trust Lanham Agency
Lanham Agency is active in communities in Ballwin, MO, and the surrounding cities such as St. Louis, Chesterfield, and Manchester. Whether you need auto insurance for a new vehicle or expanded coverage for a new household member, call us today at (636) 779-5976.
Automobile Liability Insurance
Bodily Injury Liability
Protection in case others hold you legally responsible for bodily injury and/or damage to property losses incurred as the result of a motor vehicle accident.
Pays for injuries to passengers when the insured vehicle's driver is legally at fault.
Medical Payments Coverage
This coverage will pay for doctor bills, hospital cost or funeral expenses when injury occurs to either you or your passengers when a vehicle is involved regardless whether you were at fault or not.
Property Damage Liability
This coverage is for when you damage someone else's property with your vehicle.
Optional coverage that covers only your vehicle when damage occurs due to an impact with another vehicle or object.
Optional coverage for your vehicle when damage occurs outside of a collision. Example: hail, theft, fire, or contact with a deer.
Other optional coverages may consist of Rental Car Reimbursement due to loss of use, Roadside Assistance, and Identity Theft.
Ready to learn more?
Contact us today for a free quote!