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Necessities for Missouri automobile insurance plan

You would find a lot of auto insurance companies in Missouri offering affordable auto insurance coverage despite of your less than perfect driving record. Not only that, even the people that have never been insured before can qualify for some of the best car insurance rate Missouri. However, you must have a proper understanding of the process requirements before moving any further.

Minimum Coverage Level Requirements

Missouri law requires all the motorists and vehicle owners to get liability insurance for their motor or auto. While registering the newly purchased vehicle, the driver is required to show the proof of the liability insurance. The liability insurance covers all your legal liabilities when any vehicle damage or injury takes place due to your actions. Below given is the minimum level of Coverage required by the Missouri State:

  • Property Damage
  • Bodily Injury
  • Uninsured Motorist Bodily Injury
  • Several types of auto coverage offered by car insurance companies in Missouri are:

Coverage Type Missouri Requirements Common Coverage Levels In Missouri
Liability Coverage (Property Damage Liability) This covers expenses related to the damage of another person’s property – like vehicles, homes, building, or any other structures-when you are at fault for the accident. $10000 limit $50000 limit
Uninsured Motorist This covers the medical expenses if you met with an accident with the driver without any insurance coverage. You can become eligible for this only when the other driver is at fault. $25,000 limit per person/$50,000 limit per accident $25,000 limit per person/$50,000 limit per accident
Underinsured Motorist This covers the medical expenses if you met with an accident with the driver not having enough insurance coverage. You can become eligible for this only when the other driver is at fault. Not Required $50,000 limit per person/ $100,000 limit per accident
Bodily Injury Liability This covers expenses related to the injury or death of any pedestrian or another driver due to your fault. $25,000 limit per person/$50,000 limit per accident $100,000 limit per person/$300,000 limit per accident
Medical Payments This covers medical and funeral expenses for you and your family members, when hurt in an accident. Not required $5,000 limit
Collision This covers expenses to repair or replace the vehicle that has got damaged in an accident Not required $500 deductible
Comprehensive This covers expenses to repair or replace the vehicle that has got damaged in incidents like theft or storms. Not required $500 deductible

Laws and Regulation for best car insurance in Missouri

Missouri is a state that uses “Fault” car insurance. The victim of the auto accident can claim for financial responsibilities of the injuries and income loss to the at-fault driver’s insurer. The injured person could also file a lawsuit in the court against the driver-at fault.

Minimum Coverage for the drivers in Missouri

As per the law, the auto drivers in Missouri must have the auto insurance policy that offers the following coverage:

  • $25,000 per person for bodily injuries suffered in an accident
  • $50,000 per accident for bodily injuries, when more than one person is hurt, and
  • $10,000 per accident for property damage.

When the driver of the covered vehicle is at fault, bodily injury covers the expenses for the injuries caused by the accident and property damage covers expenses for any resulting damages to personal or real property.

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