Missouri Auto Insurance

Whether you ‘re looking to start new coverage or switch to SafeAuto, you ‘ll want to make certain you have the minimum car policy coverage that Missouri law requires. SafeAuto can help you get cheap car indemnity rates that converge Missouri ‘s submit minimum requirements. Get a detached car indemnity quote online today !

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REQUIRED COVERAGES IN MISSOURI

Liability policy covers bodily injury and property wrong claims resulting from an accident that is chiefly your blame. The limits in your policy are the maximum amounts your policy ship’s company will pay for bodily injury and property damage claims .
Missouri ‘s Financial Responsibility law requires you to maintain liability limits of at least :

$25,000 | Bodily Injury per Person

The first number is the maximum come that your policy will pay for bodily injury to or death of one ( 1 ) person in any one ( 1 ) accident .

$50,000 | Bodily Injury per Accident

The maximum come that your policy will pay for bodily injury to or death of two ( 2 ) or more persons in any one ( 1 ) accident, discipline to the $ 25,000 per person limit .

$10,000 | Property Damage

The maximum amount that your policy will pay for injury to or end of property of others in an accident.

*Liability limits are typically expressed as three amounts separated by slashes written as 25/50/10 or 25,000/50,000/10,000 .

PROOF OF FINANCIAL RESPONSIBILITY & PENALTIES

Under Missouri police, you are required to provide documentary proof of Financial Responsibility in the watch circumstances :

• At the request of a law enforcement officer at the time of an accident or traffic stop
• When registering a vehicle or renewing plates
• When requested by the Missouri Department of Revenue

To ensure drivers continue to meet the Financial Responsibility requirements, Missouri requires insurance companies to provide a monthly report of all active policy policies to the Missouri Department of Revenue, Drivers License Bureau .

Penalty for Failure to Comply with Missouri’s Financial Responsibility Requirements

failure to maintain proper insurance could lead to the suspension of your license and vehicle registration. You may besides be assessed four ( 4 ) points for any conviction for failure to maintain Financial Responsibility. It only takes a sum of eight ( 8 ) points within an 18-month menstruation to lose your driving privileges in Missouri .
If your tug privileges and/or license plates are suspended for not having policy, the watch pause periods may apply :

• 1st suspension: 0 days
• 2nd suspension in two years: 90 days
• 3rd and subsequent suspension: 1 year

After the period of suspension, your driver ‘s license and/or license plates can be reinstated if the Driver License Bureau receives the keep up :

• 1st suspension: Proof of insurance and $20 reinstatement fee
• 2nd suspension: Proof of insurance and $200 reinstatement fee
• 3rd and subsequent suspension: Proof of insurance and $400 reinstatement fee

If you drive while your license is suspended for failure to meet the Financial Responsibility requirements, you may be capable to a fine of up to five hundred dollars ( $ 500 ) or imprisoned not exceeding six ( 6 ) months, or both.

Certificate of Financial Responsibility (SR-22)

An SR-22 is a authentication of future proof of Financial Responsibility issued by your policy company to the Driver License Bureau providing proof that you purchased indebtedness indemnity. The pursuit circumstances may require a person to have an SR-22 :

• Loss of license due to excessive points (more than 8)
• Loss of license due to Motor Vehicle Accident Judgment
• Loss of license due to driving with a blood alcohol of .08% or more, or if under age 21 driving with a blood alcohol of .02% or more
• Loss of license due to failure to maintain insurance

If you are required to maintain a certificate of Financial Responsibility, your indemnity company is required to provide the submit with at least 10 days overture notice before end point. SafeAuto will only issue a Missouri SR-22 to Missouri residents .

RELATED LINKS

Missouri Division of Motor Vehicle & Drivers Licenses