Personal and Commercial Automobile Insurance
Personal auto policy parts
Part A liability; Part B medical payments; Part C uninsured/underinsured motorists; Part D collision; Part E other than collision (comprehensive); Part F towing and labor; Part G transportation expenses. Missouri requires 25/50/25 liability limits and uninsured motorist coverage; Missouri is a tort (at-fault) state, not a no-fault state.
Definitions and covered autos
Your covered auto includes listed vehicles, newly acquired autos, trailers, and temporary substitute vehicles. Newly acquired autos receive liability coverage automatically; physical damage applies if the policy already carries it, subject to a reporting window (commonly 14 days when collision exists, 4 days when it does not). A non-owned auto is a borrowed vehicle used with permission; drive-other-car coverage does not extend to vehicles furnished for regular use.
Key exclusions
Intentional damage, racing, livery or public transportation use (rideshare and delivery are typically excluded), vehicles furnished for regular use, vehicles with fewer than four wheels unless endorsed, and use without a reasonable belief of permission.
Commercial auto and financial responsibility
Business auto coverage uses numbered symbols to describe covered autos (owned, hired, non-owned, and so on). Garage and truckers forms address specific exposures. Financial responsibility laws require proof of ability to pay after an accident; an SR-22 is filed by the insurer to verify coverage.
Traps
Auto medical payments covers the insured and passengers regardless of fault, unlike liability. Hitting an animal is other than collision. Uninsured motorist pays when the negligent driver has no insurance; underinsured motorist pays the gap when limits are inadequate. The auto policy covers loading and unloading, which the CGL excludes.
Worked example
An insured buys a replacement car Saturday and totals it Sunday. Liability is automatic; with collision on at least one listed auto, physical damage applies provided the new car is reported within the 14-day window.