The spouse or any other family member living in the same household. Any other person who has a license to drive the car. Missouri follows a fault-based insurance system. In at-fault states, the driver who is at fault for a car accident must pay for the other party's damages, including medical bills, car repairs, lost wages, and pain and suffering.
Liability insurance generally follows the vehicle in Missouri, not the driver. In other words, if you lend your car to someone and that person causes an accident, your liability insurance must pay for damages to the other driver and his passengers. Missouri car insurance follows the car and not the driver. This means that even if your vehicle is driven by someone else, your liability insurance will take effect if you are involved in an accident.
In Missouri, all bodily injury liability, personal injury liability, and uninsured motorist coverages apply to the car. If your insurance doesn't comply with state insurance laws, you could face penalties that can include jail time, fines, and the suspension of your license and registration. 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. The minimum liability insurance required in Missouri is probably not sufficient to cover a catastrophic accident, leaving you personally responsible for the amount of damages that exceed your policy limits.
These prices are just estimates based on the rates of an average Missouri driver and should not be used to compare insurance prices. If you are stopped for a traffic violation or are involved in an accident, a law enforcement officer can issue you a traffic ticket if you can't provide proof of insurance. Having UM coverage, which covers the driver in the event of an accident with an uninsured driver, helps ensure that they will be reimbursed if the other driver does not have insurance. This information is then used to determine the insurance status of motor vehicle owners and operators in Missouri.
Liability insurance covers damage suffered by the other vehicle and its occupants in an accident that you cause up to the coverage limits. If you have an accident or if a police officer asks you to show proof of insurance, you will be notified to the Department of Revenue that you do not have insurance for your vehicle or for the vehicle you are driving. 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. If, instead, you're looking for a policy that balances quality with affordability, MoneyGeek also ranked Missouri's top auto insurance companies.
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. Missouri law requires all motor vehicle owners to maintain some type of motor vehicle liability insurance coverage. Uninsured motorist coverage helps cover injuries that you or your passengers suffer in an accident caused by an uninsured driver or in a hit and run accident. Unfortunately, every year thousands of Missourians are involved in car accidents involving drivers who have not maintained the required auto insurance.
Mark Fitzpatrick is senior content director at MoneyGeek with more than five years of experience analyzing the insurance market, conducting original research and creating content that can be customized for each buyer...