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Auto Insurance

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Car and Truck Insurance by Cowell James Forge Insurance Group

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Your personal car is crucial to your work, errands, and everything in between. And for that very reason, it’s exposed to potential losses that are out of your control. Make sure your car has the protection it needs — at a price you can afford. Contact our agents today.

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Protection for the Vehicle You Rely on Daily

You depend on your car or truck for almost everything you do outside the home. It’s your biggest asset apart from your home, which is why it deserves a certain level of protection. 

Auto insurance protects you and your family from the financial repercussions of damage to your vehicle. With adequate coverage, you have the peace of mind that an accident won’t rock your financial health. Moreover, you are guarded against the inconvenience of being without transportation. 

Minimum Required Coverage

In Missouri, the minimum level of coverage is:

  • $25,000 per individual for bodily injury
  • $50,000 per accident for bodily injury
  • $10,000 per accident for property

The state also mandates uninsured motorist coverage of $50,000 for bodily injury per accident and $25,000 for bodily injury per person.

In some cases, however, the minimum coverage required by the state is not enough when you factor in your risks. For instance, there are auto insurance policies that protect your vehicle if it’s stolen, damaged by fire, or destroyed in an accident that doesn’t involve other vehicles. Some policies also protect your car when an uninsured motorist causes damage to it.

The Cowell James Forge Insurance Group will see that you have the right level of protection for your unique circumstances.

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Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

The Cowell James Forge Insurance Group Difference

With over a hundred years of experience among our agents, the Cowell James Forge Insurance Group will adopt unparalleled flexibility to create personalized auto insurance solutions for you. We’ll assess the risks you and your vehicle face and ensure coverage that meets your needs. 

Moreover, our agents are always here to answer the phone in case an issue arises. Our communication lines are open, and our agents are one call away. Your problem will get sorted out immediately.

Talk with us to ensure you have the proper car insurance coverage. Whether you want to meet the required coverage, or you want to take your auto policy further, we will provide the right insurance solution. Our agents will provide you with a free quote.

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