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Optional coverages in Missouri
Keep in mind, if you’re financing or leasing a car, the lender might require you to get a full-coverage auto insurance
policy, which includes collision and comprehensive coverage. Additionally, leasing companies usually require higher liability limits. For peace of mind, consider getting additional coverage. Here are a few types of optional coverages worth looking into:
Collision insurance
: Helps pay for vehicle repairs caused by a collision with another vehicle or stationary object.Comprehensive insurance
: Pays for the costs of non-collision-related damage to your vehicle, like hail, flood damage, theft, vandalism, and more.
Gap insurance:
If you leased or financed a new vehicle and it’s totaled, this insurance pays for the difference between the car’s actual cash value
and how much you still owe on the car loan
—but purchase it from your insurance company
, not through your dealership. Medical payments coverage (MedPay)
: MedPay helps cover medical bills for you and your passengers after an auto accident. Coverage options range from $1,000 to $10,000.Personal injury protection (PIP)
: PIP covers medical expenses, lost wages, and rehabilitation following an accident, and offers much higher limits than MedPay.Roadside assistance coverage
: This is also called towing and labor coverage
, and it typically provides services like fuel delivery, battery changes, flat tire repair, and more.
Penalties for driving without insurance in Missouri
It’s illegal to drive without car insurance
in any state, and Missouri imposes harsh penalties if you’re unable to show proof of insurance
upon request to any law enforcement official.2 These could include: You’ll also have to file an SR-22 certificate
. Missouri refers to this as an “order of supervision,” which means drivers are required to submit proof of financial responsibility to the Missouri Department of Revenue, usually for three years. FAQs
What are the auto insurance requirements in Missouri?
Minimum car insurance requirements for Missouri drivers include at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, $25,000 of property damage liability insurance, and at least $25,000 per person and $50,000 per accident of uninsured motorist coverage.
Can someone drive my car if they are not on my insurance in Missouri?
Yes. Since auto insurance follows the motor vehicle in Missouri, the person named on the policy is covered along with any household members and anyone who has permission to drive the car.
What type of auto liability coverage is required in Missouri?
Missouri requires minimum amounts of both bodily injury liability and property damage liability coverage. Together, these coverages pay for the other driver’s damages and medical expenses, up to your policy limits, if you cause an accident.
Is Missouri a no fault accident state?
No, Missouri is an at-fault state
. If you cause an accident in Missouri, the other driver will file claims for both property damage and bodily injuries with your insurer.