Missouri Car Insurance Minimum Coverage Requirements

Car insurance buyers in Missouri are required to have third party liability protection in place to drive legally in the state. They must also have uninsured/underinsured motorist protection in place.

Bodily injury liability insurance is put in place to pay for damages sustained by the occupants of the other vehicle in a car accident. It pays for medical bills, rehabilitation expenses and lost wages following the event. The minimum level of coverage required in Missouri for this type of protection is $25,000 for one accident victim and $50,000 for all victims of the same accident.

Along with the bodily injury liability coverage, property damage liability protection must be put in place to pay for repairs to the other driver’s vehicle and any public property damaged in the accident. It covers the cost of fixing sign posts, fences, light stands, mail boxes and other items.

Uninsured motorist coverage pays for your injuries when the at-fault driver in an accident either does not have coverage or can’t be identified, such as in the case of a hit and run. Underinsured motorist protection is designed to bridge the gap between the at-fault driver’s available coverage and the actual amount of the damage caused. The at-fault driver’s available coverage will be used first, up to its policy limit, and then the underinsured motorist protection would cover the balance up to the policy limit you choose.

To get the best rates for your Missouri car insurance coverage, be prepared to shop around and compare rates from different providers.