Missouri Car Insurance Requirements

Everything Missouri vehicle owners and drivers need to know about the state's car insurance rules, including minimum coverage requirements.

In Missouri, as in every state, car insurance is sure to play a big part in any claim brought after a traffic accident. Read on for the details of Missouri's auto insurance rules and how coverage is likely to affect a car accident case.

Missouri is a "Fault" Car Accident State

Missouri follows a traditional "fault" system when it comes to financial responsibility for losses stemming from a car accident: injuries, lost income, vehicle damage, and so on. This means that the person who was at fault for causing the car accident is also responsible for any resulting harm (from a practical standpoint, the at-fault driver’s insurance carrier will absorb these losses, up to policy limits).

In Missouri, a person who suffers any kind of injury or damage due to an auto accident usually can proceed in one of three ways:

  • by filing a claim with his or her own insurance company, assuming that the loss is covered under the policy (in this situation, the injured person's insurance company will likely turn around and pursue a subrogation claim against the at-fault driver’s carrier)
  • by filing a third-party claim directly with the at-fault driver’s insurance carrier, or
  • by filing a personal injury lawsuit in civil court against the at-fault driver.

Note: In no-fault car insurance states, a claimant doesn't usually have this same range of options. After a car accident in a no-fault state, you must turn to the personal injury protection coverage of your own car insurance policy for payment of medical bills and other out-of-pocket losses, regardless of who caused the crash. Only if your injuries reach a certain threshold can you step outside of no-fault and make a claim directly against the at-fault driver. But Missouri drivers don't need to worry about no-fault after an in-state accident.

Car Insurance Requirements in Missouri

Missouri requires vehicle owners and drivers to have two types of car insurance coverage: liability coverage and uninsured motorist (UM) coverage.

Liability Coverage

The liability car insurance requirements in Missouri are.

  • $25,000 for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
  • $50,000 for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle, and
  • $10,000 for property damage per accident caused by the owner/driver of the insured vehicle.

Liability coverage pays the medical bills, property damage bills, and other costs of drivers, passengers, and pedestrians who are injured or have their vehicle damaged in a car accident you cause, up to coverage limits. You can (and in some situations should) carry more coverage to protect you in case a serious crash results in significant car accident injuries and vehicle damage. Once policy limits are exhausted, you are personally on the financial hook, so higher insurance limits can help protect your personal assets in the event of a serious crash.

Your liability coverage will kick in if any family member is driving your vehicle, or if you've given someone else permission to use it. It will likely also cover you if you get into an accident in a rental car.

Remember that liability coverage doesn't apply to your own injuries or vehicle damage after a Missouri car accident. You'll need different (additional) coverage for that if you're involved in a car accident and no one else's coverage applies to your losses.

For example, collision coverage (optional in Missouri, though might be required under the terms of a vehicle lease or financing agreement) can pay for repairs to (or replacement of) your damaged vehicle after a car accident.

Uninsured Motorist Coverage

Uninsured motorist (UM) coverage can protect you and your passengers if the at-fault driver has no insurance, or if you're the victim of a hit and run. Missouri requires UM coverage of $25,000 in bodily injury per person and $50,000 in bodily injury per accident. (UM does not cover vehicle damage after an accident.)

Penalties for Driving Without Insurance in Missouri

According to the Missouri Department of Revenue, any driver convicted of "failing to show proof of insurance" will be subject to one of three actions:

1. The conviction will be entered and four points will be assessed against the driver's record.

2. An "order of supervision" will be entered against the driver to ensure that liability insurance is being maintained.

3. The court may suspend the offender's driving privilege for failing to show proof of insurance, and the offender could be ordered to pay fees according to the following schedule:

  • 1st suspension: 0 days, $20 reinstatement fee
  • 2nd suspension: 90 days, $200 reinstatement fee
  • 3rd and subsequent suspension: 1 year, $400 reinstatement fee

Of course, these penalties will likely pale in comparison to the financial hit you could take if you're in a car accident and you don't have car insurance.

Get more details on car insurance in Missouri, straight from the state, by checking out the Missouri Department of Insurance's Auto Insurance Guide, Missouri Driver Responsibilities and Penalties, and FAQs.

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