Missouri law requires that all drivers and owners of motor vehicles maintain some type of motor vehicle liability insurance coverage. If you don't have a lot of assets or think the risk is worth it, you might be comfortable with just the minimum coverage. While the minimum car insurance requirements in Missouri are predefined, they are not intended to be a limit on the amount of coverage you can or should get. MedPay is similar to PIP insurance in that they both manage your medical bills even if you cause a car accident.
Most people in Missouri take out car insurance to comply with state insurance laws, but instead you can choose to file proof of financial responsibility with the Department of Revenue. In addition to liability insurance, Missouri also requires insurance companies to include coverage for uninsured motorists. Your liability insurance doesn't cover your injuries or damage to the vehicle when you're at fault for an accident. Normally, a Missouri driver can collect liability insurance damages from the at-fault driver after an accident.
Liability insurance covers other people's medical expenses and property damage after an accident for which you were responsible. People who are injured because of their driving can sue you for damages in excess of your minimum liability coverage. In no-fault states, you rely on your own insurance to cover medical bills and other out-of-pocket losses, regardless of who caused the car accident. While almost every state requires drivers to have liability insurance, the minimum coverage isn't always enough to cover the cost of an accident.
For more information, see WalletHub's guides on how much car insurance you need and affordable auto insurance in Missouri. Fault drivers often rely on liability insurance to pay for damages, which is why Missouri law requires car owners and drivers to have a minimum amount of liability insurance or to show proof of financial responsibility. 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. For example, both collision insurance and comprehensive insurance cover damage to the policyholder's car.
If Missouri drivers don't purchase at least the minimum amounts of auto insurance coverage required by Missouri law, they may face penalties for driving without insurance.