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. For example, if you rear-end collide with another car at a stop sign, your liability coverage will pay for the injuries and damage you cause. Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs. Missouri is a at-fault state, which means that the injured driver can file a claim with the at-fault driver for damages in the event of an accident.
If you're interested in getting an auto insurance quote in Missouri, contact your American Family Insurance agent to discuss what type of protection best fits your needs and what discounts may apply in your region. If you're looking to insure your car in Missouri, the first question you should ask yourself is how much coverage you need to meet legal requirements in Missouri. In some states, your vehicle can be towed and you won't be able to claim it until you present proof of insurance. If, instead, you're looking for a policy that balances quality with affordability, MoneyGeek also ranked Missouri's top auto insurance companies.
Yes, Missouri allows state drivers to file reduced value compensation claims after an accident. At any time during the vehicle registration period in Missouri, the Driver's License Office may request that the vehicle owner show proof of insurance. 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. If you can't drive your car because of a covered loss, this coverage helps pay for a car rental or other transportation expenses so you can get back on the road.
Liability coverage covers the injuries, property damage, and other losses you cause in a car accident, up to the limits of coverage. Liability coverage covers your legal defense if a lawsuit is filed against you as a result of a covered accident. You can get car insurance in Missouri without a driver's license, but depending on your insurer, the process can be complicated. 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.