Liability Insurance

If you cause an accident, liability insurance covers damage to other vehicles, medical expenses, and property damage. This coverage is essential for meeting OFallon, MO’s requirements and protecting yourself from costly lawsuits. Our policies ensure you have adequate protection while keeping your premiums manageable.

Collision Coverage

Collisions happen, whether from a fender bender or a major accident. This policy pays for repairs or replacement costs for your car, regardless of fault. With Storz Insurance, you receive fair claim assessments and quick settlements so you can get back on the road with minimal downtime.

Comprehensive Coverage

Protect your vehicle from non-collision incidents like theft, vandalism, fire, and natural disasters. If your car is damaged by a storm or stolen from your driveway, this coverage steps in. We process claims efficiently, ensuring you get the support you need when unexpected events occur.

Uninsured/Underinsured Motorist Protection in OFallon, MO

Not all drivers carry enough insurance. If you’re hit by someone with little or no coverage, this policy covers your medical expenses and vehicle damage. Our plans fill the gaps, ensuring you aren’t left paying out of pocket for someone else’s mistake.

OFallon, MO Personal Injury Protection (PIP)

Medical bills and lost wages after an accident can be overwhelming. PIP covers medical expenses, rehabilitation, and even lost income, regardless of who is at fault. It’s a critical safety net, especially for those who want added financial security in case of an accident.

Filing a Claim is Fast and Easy

Accidents are stressful, but filing a claim with Storz Insurance is simple:

• Report the Incident – Call us or submit a claim online 24/7.
• Document the Damage – Provide photos and necessary details.
• Review & Assessment – Our adjusters quickly evaluate your claim.
• Get Approval & Payment – Approved claims are processed swiftly so you can repair or replace your vehicle without delay.

Save More on Your Auto Insurance

Getting quality coverage doesn’t mean overpaying. Here’s how you can lower your premium:

• Bundle Policies – Combine auto and home insurance for discounts.
• Maintain a Clean Record – Safe driving earns you lower rates.
• Choose Higher Deductibles – Opting for a higher deductible reduces premiums.
• Take Advantage of Discounts – We offer savings for good students, military personnel, and low-mileage drivers.