Missouri State law requires all Motor Operated Vehicles to be insured by a liability policy, aside from liability, uninsured motorist coverage is also considered mandatory.

This state also allows vehicle owners to have financial responsibility in the way of a bond, a $60,000 deposit or a real estate bond. If you own more than 25 vehicles, you can also apply for self-insurance options.

Still the most common way to prove financial responsibility is by having auto liability insurance policy.

• Minimum liability insurance coverage in the state of Missouri required is of
• $25,000 for bodily injury or death caused to one person in the accident,
• $50,000 for bodily injuries or death caused to more than one person in the accident,
• Also it requires a $10,000 minimum to pay for any property damage.

It is mandatory for all drivers to carry with them proof of owning car insurance at all times, proof can come in a way of an insurance ID card (emitted by your insurance company) a self-insured card or financial responsibility ID card both emitted by the Driver and Vehicle Service Bureau (DVSB)

If you fail to comply with this requirement, you can suffer from penalties such as having your license suspended, 4 points on your driving record and/or an order of supervision which will have you monitored.

In addition to mandatory coverage by the state of Missouri, there is other available auto insurance coverage types that may help pay for other expenses related to an accident. Have in mind that required liability insurance is there to help you pay for the damage and injuries you may cause to others, not to your own property.  Also, what happens if you are a victim in an accident, and the person responsible for it is unable to pay for your expenses? To sue will take time, and you need to pay those bills quickly. This is why the following additional coverage are not only common, but highly recommended.

Uninsured / Underinsured Motorist: This type of coverage is there to help when you are not held responsible for the accident, but the person who is has not enough insurance coverage or doesn't have insurance at all. Uninsured motorist will pay for that last type of drivers, those who lack of liability insurance and dare to drive like that on the streets. It is also used when the driver runs away from the scene of the accident. Underinsured motorist will help pay when the driver held responsible doesn't own enough liability coverage to pay for your injuries or damage caused to your property.

Collision and comprehensive coverage will pay for and only for, physical reparations your vehicle may need after an accident or collision.

Collision coverage protects your vehicle and allows you to fix it after any type of collision, no matter if it is against other vehicles or a stationary object, like a tree or light pole. Similar to this coverage, comprehensive helps with those unfortunate accidents caused by extreme weather events, as floods and wildfires or tornados and accidents with wildlife.