When you purchase a new vehicle, shop around for better rates, or start a brand new policy, you might have questions about the types of coverage and the right coverage for you. We understand how confusing that can be, and we want to help. Here’s a quick overview of common insurance coverages, what they mean, and whether you should consider adding them to your policy.

Liability coverage exists to cover the cost of another person's injuries or property damage if you cause an accident. Missouri requires a minimum coverage of $25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage. You should also consider increasing these coverage amounts, as you could potentially be liable for higher damages than these minimums can cover if you cause a crash.

Uninsured motorist insurance can help you pay medical bills, property damage, and other losses in the event you are hit by a driver who does not carry insurance, or even in a hit-and-run crash. Missouri drivers are required to carry a minimum of $25,000 per person and $50,000 per accident for bodily injury. This is another coverage you might consider increasing, as the $25,000 minimum coverage may not fully cover your damages caused by an uninsured motorist.

Underinsured motorist coverage differs from uninsured motorist coverage. It protects you and pays for damages if the at-fault driver has insurance, but their liability limits do not cover your resulting damages. This kind of coverage is optional in Missouri, but we encourage you to add it to your policy to protect yourself in case of an accident.

Medical payments coverage helps cover medical costs if you, your passengers, or family members driving the insured vehicle are injured in an accident, regardless of fault.

Comprehensive coverage covers damage to your vehicle caused by non-collisions such as theft, vandalism, floods, hail, tree branches, flying debris, deer and other animals, or vehicle fires. It is generally optional coverage and includes a deductible, but may be required if you finance or lease your car.

Collision coverage helps pay to repair or replace your vehicle, minus your deductible, if it is damaged in a crash with another vehicle or in a single-car accident. Collision coverage may be required if you finance or lease your car.

We're excited to welcome Katie to the Roach Law team! She started last month as one of our new paralegals/case managers. Katie has been working in personal injury for nearly seven years. She previously worked in family law and at the prosecuting attorney's office, all totaling more than 25 years of legal experience. In her free time, Katie enjoys a quiet evening at home with her cats. She also loves sewing, reading, coloring, and watching the newest shows on Bravo.

Tracy Siedler is a Litigation Paralegal who recently joined the team at Roach Law as a Case Manager. She has more than 13 years of experience in civil litigation and is excited to join the Roach Law team! Tracy was born and raised in Southern Illinois and just relocated to the St. Louis area in 2025. Tracy is a proud mom of her son Ashton, who is 27 years old, and her daughter Jaci, who is 22 years old and works as a pediatric nurse at Rileys Children’s Hospital in Indianapolis. Tracy loves spending time with her friends and family including her mini labradoodle, Winnie. She also loves cooking, shopping, and watching true crime.

Roach Law Car Accident Lawyers settled this case for our client who was injured in a crash in New Madrid County. Another driver failed to yield to traffic while attempting to cross US-61, resulting in a T-bone collision.

Our client was transported to the emergency room and was later treated for injuries to their back. Our client also underwent physical therapy and rehabilitation, and additional pain management was recommended. Our team secured this policy-limits settlement to ensure our client is compensated for their injuries and other damages following the crash.

We recently recovered this settlement for our client after they were injured in a crash in Barry County, Missouri. A semi-truck driver failed to stop at a stop sign when crossing MO-86 and traveled into our client's path, resulting in a T-bone collision.

Our client was transported to the emergency room via ambulance, where they were treated for injuries to their head, wrist, and ankle. Our client underwent wrist surgery involving plates and screws to repair the fracture. Our client also underwent physical and occupational therapy. This settlement ensures our client is properly compensated for their injuries, treatment, and pain.

This $115,000 combined settlement was secured for our clients who were rear-ended in a multi-vehicle crash on I-270 in St. Louis County. Our client had slowed for traffic congestion on the interstate when they were struck from behind by another driver who failed to stop in time. The force of the impact also pushed our clients' vehicle into the vehicle in front of them.

Both clients were treated on-scene and later returned to the emergency room. Each client endured pain in their back, neck, and hips, were diagnosed with multiple herniated discs, and required physical therapy. This settlement ensures they are properly compensated for their treatment and pain they endured due to the crash.

We're getting the word out about Roach Law! As we continue to grow, we're finding new ways to stay connected with the communities we serve. You may have spotted us on one of several digital billboards throughout the greater St. Louis area. This is another way for us to strengthen our presence in the community, reach more people who may need our help, and continue building on the relationships that have helped our firm get here.

"My experience with the “Roach Approach” was exactly as promised. From the beginning all the way through the end of the process I was kept informed. This was important since I had never gone through a litigation process like this before. I would recommend Kevin Roach and his firm to anybody."

-Ren T.

We’re grateful to clients like Ren who trust us with their case and take the time to share their experience. We are honored to assist and grateful for your feedback. It means so much to know that the work we do is making a difference.

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