In Missouri, all bodily injury liability, personal injury liability, and uninsured motorist coverages apply to the car. The driver of the vehicle must show proof of insurance to any law enforcement officer, if requested, or a traffic ticket may be issued. Insurance companies licensed to offer personal auto insurance in Missouri must provide the Driver's License Office with information about the insurance of drivers and the vehicles they insure, primarily parked in Missouri. For information on auto insurance in Missouri straight from the source, see the Department of Revenue's insurance information.
Learn more about how an attorney can help you with your car accident claim and how to find the right lawyer. If a law enforcement officer asks you for proof of insurance and you can't show it, the agent can issue you a fine. Liability insurance covers your legal liability when injuries or property damage occurs as a result of your actions. Different states have different insurance laws, and in Missouri, drivers must have car insurance that meets the following basic minimums.
State drivers are legally required to show proof of car insurance to a law enforcement official if requested. This information is then used to determine the insurance status of motor vehicle owners and operators in Missouri. In addition to these amounts of personal liability coverage, Missouri also requires that you have bodily injury coverage for uninsured drivers (UM) with the same minimum limits. This inspection is mandatory in some states before insuring a car to protect the car owner and the insurance company, but in Missouri, drivers don't need to have a CARCO inspection.
In Missouri, car insurance requirements change after a DUI to include possession of an SR-22 policy as proof of insurance for a period of up to three years. Liability coverage covers the injuries, property damage, and other losses you cause in a car accident, up to the limits of coverage. In Missouri, you have up to five years to file a claim for the decline in the value of your car after an accident, but you shouldn't be the party at fault for the accident. For each type of insurance, you will receive an insurance identification card that you must carry in the vehicle at all times.