Missouri Motor Vehicle Insurance Requirements

Understanding your own auto insurance as well as Missouri requirements for auto insurance can help protect you in case of injury or property damage in a Missouri car accident. 

  January 14, 2012 /24-7PressRelease/ -- Like many other states, Missouri requires drivers to show proof of financial responsibility in order to be allowed to drive in the state. This means that in order for a driver to register a vehicle in the state or renew his or her license plates, the driver has to prove that he or she can pay for damages in case of an accident. Missouri drivers should be aware of the state's mandatory minimum insurance requirements and the different types of insurance coverage that a driver can purchase.. Protecting yourself and your family if you're involved in a Missouri car accident starts at home, with choosing the appropriate insurance coverage.

Missouri Law Mandated Auto Coverage

Missouri law requires drivers to carry at the minimum:
- Liability insurance: $25,000 per person for bodily injury; $50,000 per accident for bodily injury; $10,000 property damage per accident
- Uninsured/underinsured motorist coverage:$25,000 for bodily injury per person and $50,000 per accident for bodily injury

Drivers may also meet the state's financial responsibility requirement by filing proof of financial responsibility with the Missouri Department of Revenue or with a certificate of self-insurance for a company or religious organization from the Department of Revenue.

Drivers must carry proof of insurance with them at all times in their cars. Driving without insurance is a class C misdemeanor in Missouri.


Available Options for Missouri Auto Insurance

Drivers may purchase a variety of types of motor vehicle insurance coverage policies. Some of the more common types of motor vehicle insurance include:
- Liability: this type of insurance covers damage that a driver causes. Drivers can buy personal injury and property liability policies.
- Uninsured/underinsured motorist: this type of insurance covers damages when a driver gets into an accident where the at-fault driver has no insurance or not enough insurance to cover the damages
- Comprehensive: comprehensive coverage pays for any damage that happens to a vehicle other than from an accident, such as from severe weather, fire, theft or vandalism.
- Collision: collision coverage pays for damages when the vehicle is involved in any type of collision, whether it be with another vehicle or a stationary object.
- Personal Injury Protection: this coverage is also known as "no fault" insurance because it pays for a driver's medical bills no matter who caused the accident.

While some drivers choose to carry the minimum insurance that the law requires, drivers may purchase additional coverage to protect themselves and their property in case of an accident. Unfortunately, many drivers choose to ignore their responsibilities to maintain insurance. When they get into accidents with drivers who do have insurance, the insured driver is left to fight with his or her insurance company for reimbursement for the damages from the accident. Missouri uninsured/underinsured auto accident attorneys can assist drivers who are trying to make a UM/UIM claim on their own insurance.

If you have been involved in an auto accident and are battling with an insurance company, consult an experienced personal injury attorney who can help you recover the compensation you need.

Article provided by Devereaux, Stokes, Nolan, Fernandez & Leonard, P.C.
Visit us at www.gonzalofernandez.com


source : http://www.24-7pressrelease.com/press-release/missouri-motor-vehicle-insurance-requirements-257157.php