Missouri Car Insurance

Missouri Auto insurance is necessary for registering your vehicles in Missouri. Hence, it is now compulsory to get proper and adequate auto insurance coverage initially even before registering your vehicle.

Do I need any proof of Insurance?

Yes, you need to have proper proof of insurance in your vehicle always. Besides, you have to show such proof to law officers when they want to see it. You need it for registering and renewing your license plates.

What else can be proof of my auto insurance?

If you do not have proper insurance card as insurance proof, you could have any of the following:-

Self-insurance Identity card of Revenue Department
Motor Vehicle liability insurance
Real Estate bond and relevant Identity card of Revenue Department
A surety bond, money deposit certificate, or some types of securities for $60,000 with Revenue Department

What happens if I do not carry any insurance proof?

If you do not carry any proof of insurance, you face suspension of your driving license for particular time. Thereafter, you have to pay reinstatement fees to get back your license and show further proof of insurance.

What is minimum coverage of Missouri Auto Insurance?

The minimum coverage is $25,000 for bodily injuries for a single person in an accident, $50,000 for all injuries in an accident, and $10,000 as damages to property.

What are the different types of coverage?

Missouri offers mandatory coverage of Property Damage Liability, Bodily Injury liability and Uninsured Motorist policy. Minimum coverage of uninsured motorist coverage is $25,000 for bodily injury to each person in an accident and $50,000 for total injuries in an accident.

Other non-mandatory coverage includes Medical Payments, comprehensive, and Collision coverage.

Medical payments covers your medical expenses even if you are a passenger in any vehicle or a pedestrian injured in accident. Comprehensive insurance protects your vehicle from damages due to theft, flood, mob fury, windstorm, fire, explosion, or hitting of animals and birds. Collision pays for damages to your car irrespective of whose fault led to accident.

Missouri Car Insurance

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