In the state of Missouri, you’re required to own car liability insurance, which covers the damages to third parties after an accident that you cause. However, given the cost of vehicles and hospital bills, the minimum requirements may not be enough to pay for all of the damages. Remember, liability coverage will not cover your own injuries or property damage; it only aids your responsibility to unsuspecting victims.
Car Insurance Requirements in Missouri
The Following are only the minimum requirements:
- $25,000 for bodily injury, per person.
- $50,000 for total bodily injury (when multiple people are injured).
- $10,000 for total property damage.
Missouri also requires car owners/drivers to have uninsured motorist coverage for bodily injury. However, you are NOT required to have uninsured motorist coverage for property damage.
Call Action Insurance Agency at (816) 282-0224 for more details about Missouri's liability requirements and how to get more overall coverage by adding collision, comprehensive, medical payments, uninsured driver etc. to your policy.