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Missouri State Car Insurance Legal Requirements

Motor Vehicle Insurance (Financial Responsibility)

Every citizen residing in the State of Missouri is required to carry necessary insurance to their vehicles. This in general is termed as the liability coverage. There are thousands of accidents that happen across the Missouri State each year which are caused due to personal drivers who do not posses any insurance papers. This results in shelling out huge amounts towards the damages that have occurred and usually are priced high.

If you have moved into the city newly, you need to register your vehicle under the state and for this to happen you need produce liability coverage papers to the officer present there in order to register your vehicle. You are also required to renew your license plates as well as your driving license. The same thing goes for a new vehicle too. You need to insure your car for the minimum amount that has been states by the State’s government. If you are unable to produce your papers to the law enforcement officer, they are sure to write you down the penalty ticket.

Liability coverage policy looks out after the damages that can be caused when an accident happens. These can include the medical expenses, property damages that are caused during the accident. The minimum level of amount that has to be insured according to Missouri department of Revenue:

1. $25,000 – single accident involving a single person
2. $50,000 – an accident which involves complete injury to the body
3. $10,000 – for property damage

Types of Insurance

Statutory reference: Section 303.160, RSMo.

There are many fashions through which you can obtain your insurance papers. You are required to have any one of the following mentioned to operate your own vehicle. You will be handed over a particular identification card that you are required to keep the same in a safe and secure manner within the vehicle.

1. Liability insurance
2. A self – insurance card given by the department of revenue.
3. A security deposit of $60,000 towards surety bond, certificate of money.
4. Real estate bond with the department of revenue

Missouri Drivers’ Responsibilities

You will have to carry with you the liability coverage papers and the insurance papers when you drive your car. You are unauthorized to drive the car without these papers and are considered as illegal. If involved in an accident and the driver fails to produce the required papers, he/she will be convicted in any of the 3 ways:

1. The conviction will be recorded in the driving record and you would be losing out 4 points. You can lose your driving license when you reach 8 points on your driving license.
2. You will be monitored by the driving license bureau in order to check for the liability coverage.
3. Your driving license will be suspended permanently until further notice or till you can provide them the liability coverage and the insurance papers.

Suspension/Reinstatement for Failure to Maintain Insurance

Statutory references: Sections 303.042 through 303.044, RSMo.

if you have been suspended from driving your vehicle, you need to reinstate the same by producing the required insurance and liability coverage papers with the penalty fine. You are given a chance to prove yourself for the first time i.e., your 1^st suspension will be only for a day. If you have been suspended again in the same year, your suspension will be for 90 days.

Official Website for the Department of Revenue

www.dor.mo.gov

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