Auto Insurance Laws in Missouri

Missouri state law requires all motorists and vehicle owners to carry liability insurance. As well as enabling road users to obtain a vehicle registration certificate and license plates, auto insurance coverage is also essential for covering any financial responsibilities that may be incurred as the result of a road traffic accident.

If a Missouri motorist is stopped by a law enforcement officer and fails to produce proof of valid coverage, a traffic ticket will be issued and the local Department of Insurance will be notified. If an auto insurance policy still can’t be provided, vehicle owners can expect to receive a penalty and in some case, driving privileges may be withdrawn altogether.

The importance of detailed auto insurance coverage should never be underestimated. If a road user is deemed to be at fault in a road traffic accident, they will be financial liable for the cost of medical treatment, funeral expenses and loss of earnings of any third party driver who is also involved in the incident as well as the cost of repairs or replacement to their vehicles or other related property.

Minimum Auto Insurance Requirements

Motorists must carry auto insurance as a mandatory requirement and the state of Missouri requires them to purchase $25,000 worth of bodily injury liability per person and $50,000 worth of bodily injury liability per accident. In addition, financial responsibility must also be assumed by obtaining $10,000 worth of property damage liability coverage.

Road users are also expected be able to cover the cost of their own expenses if they are ever hit by an uninsured or underinsured motorist. This means that $25,000 worth of uninsured/underinsured motorist coverage per person and $50,000 worth of uninsured /underinsured motorist coverage per accident is also an obligatory requirement.

The mandatory levels of minimum coverage will usually be sufficient for most accidents but all Missouri motorists are recommended to purchase additional coverage wherever possible. Although this will result in more expensive auto insurance quotes, road users will be assured of having enough protection in place if they are ever involved in a road traffic accident of a more serious nature. Although auto insurance coverage is the most common means of providing proof of financial responsibility, a surety bond, a real estate bond or a certificate relating to the deposit of $60,000 can also be filed with the local Department of Insurance.

Failure to Comply with Mandatory State Requirements

If a road user in Missouri is unable to provide proof of auto insurance coverage, there are three potential consequences that they will face. In most cases, the Driver License Bureau will review the case once court action has been taken and four penalty points will be added to the license of the driver. An Order of Supervision can also be implemented to ensure that effective coverage is subsequently purchased and kept in place and, in more serious cases, driving privileges can be withdrawn indefinitely.

The number of uninsured or underinsured drivers using vehicles in the state of Missouri has increased significantly in recent years because of rising auto insurance rates but this is still not seen as excuse not to purchase the minimum mandatory levels of coverage. Uninsured and underinsured motorists are seen to be as big a menace as drivers that operate their vehicles while under the influence of drugs and alcohol and any convictions for this offence will result in an SR-22 document being filed with the local Department of Insurance. A standard Proof of Insurance card will not be acceptable for convicted drivers once a SR-22 document is in place.

How to Avoid Penalties

The simplest way to avoid penalties, suspensions and Orders of Supervision is to purchase a valid auto insurance policy before a vehicle is taken onto Missouri roads and highways. At Promiga Auto Insurance Quotes, we can provide detailed coverage for every type of driver and pride ourselves on only dealing with A-rated carriers who are fully licensed to operate within the ‘Show-Me’ State.

There is never any charge for our auto insurance quotes and we are completely committed to working in partnership with our approved carriers to bring our customers the best auto insurance rates combined with the best levels of coverage. All of our online auto insurance quotes are also provided without any obligation whatsoever to make a subsequent purchase.

Worried about your details being passed on to third party companies or bring constantly bothered by pushy sales representatives who are prepared to tire you into buying their products? At Promiga Auto Insurance Quotes, we only ask for a local ZIP code and within minutes, you can be comparing our excellent free auto insurance quotes without the need to supply us with any other sensitive personal information.