Missouri Auto Insurance

The importance of having the appropriate auto insurance coverage cannot be overstated for Missouri residents. Not only is it a legal requirement, but auto insurance also serves as a vital financial safeguard in the event of an accident or other incident involving a vehicle.

Without proper coverage, the costs of medical bills, vehicle repairs, and other associated expenses could be devastating.

The Motor Vehicle Financial Responsibility Law mandates that all vehicle owners and operators in Missouri maintain specific types of auto insurance coverage.

To guide and enforce these regulations statewide, the Missouri Department of Insurance (MO DOI), together with the state's Motor Vehicle Division (MVD), provides valuable resources to both consumers and insurers on the application and compliance with insurance law within the state.

What are the Auto Insurance Requirements in Missouri?

Drivers have three options to comply with state insurance laws. They can choose one among the liability insurance policy, self-insurance certification, or depositing a certificate of deposit. For those opting for insurance, Missouri mandates specific minimum coverage levels:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident
• Property Damage Liability:$25,000 per accident

When drivers obtain the required auto insurance coverage, they will receive identification cards. These insurance ID cards must be kept in the vehicle at all times as proof of the mandated coverage.

Additionally, drivers must carry uninsured motorist (UM) coverage with minimums of $25,000 per person and $50,000 per accident for bodily injury.

Types of Insurance Coverage in Missouri

Missouri requires drivers to maintain a minimum level of liability insurance, but optional coverage types like collision, comprehensive, underinsured motorist, and medical payments can provide valuable additional financial protection.

Collision Coverage

Collision coverage is an optional insurance component that pays for damage to the policyholder's vehicle resulting from a collision with another vehicle, object, or structure, regardless of fault. Common scenarios include hitting another car, a tree, a building, or any other stationary object.

Comprehensive Coverage

Comprehensive coverage pays for damage to the policyholder's vehicle from theft, vandalism, hail, flood, fire, or animals. This is often required if the policyholder has a loan on the vehicle.

Underinsured Motorist Coverage

Underinsured motorist (UIM) coverage pays out when an at-fault driver lacks enough insurance to fully cover the policyholder's losses.

To elect this coverage, the policyholder must carry at least double the at-fault driver's liability limits. If the policyholder chooses this optional coverage, increasing the underinsured motorist limits may be advisable.

Medical Payments Coverage

Medical payment coverage pays for treating injuries to the policyholder and their passengers. This can help cover initial out-of-pocket medical expenses.

Additional Optional Coverage

Missouri drivers have several optional coverage types available to protect themselves and their vehicles further. While not mandated by state law, the following additional policies can provide valuable financial protection in a variety of scenarios:

• Rental Reimbursement Coverage
• Towing and Roadside Assistance
• Customized Installations Coverage
• Transportation Network Company (TNC) or Business Use Coverage

It is a wise financial decision to carefully evaluate which optional auto insurance coverages best match an individual's driving needs and risks.

Penalties for Driving Without Insurance in Missouri

The penalties for failing to provide proof of insurance in MO hinge on both judicial decisions and administrative actions carried out by the Missouri Department of Revenue (MO DOR). The court evaluates each case to determine sanctions.

There's a distinction in penalties depending on whether the driver had insurance but couldn't present proof versus driving without any coverage at all. In cases where the driver had insurance but failed to provide documentation, many courts may dismiss the "no insurance" citation if proof of coverage is later provided.

However, if the driver was genuinely operating without insurance at the time they received the citation, the consequences tend to be more severe, potentially leading to fines, points on their driving record, and even license suspension.

Financial Consequences

If convicted, drivers may face financial consequences. Initially, offenders typically receive a Class D misdemeanor, accompanied by fines ranging from $175 to $225.

However, judges can impose fines as high as $500. For subsequent convictions, the penalties escalate substantially. Drivers can face fines of up to $500 for each subsequent offense, emphasizing the increasing severity of consequences with repeat violations.

Additional Consequences

If a driver is found guilty of driving without insurance in Missouri, they could face several additional consequences beyond the initial citation or charges. Some of the potential additional consequences include a court order of supervision, additional points on the driver's record, and suspension of the driver's license.

An Order of Supervision From the Court

The supervision order is typically issued as part of the court's decision following a conviction or citation for driving without insurance in Missouri. This penalty allows the MO DOR to monitor the driver for 36 months, during which the driver must maintain continuous insurance coverage.

Addition of Points to the Driver's Record

Driving without insurance in Missouri typically results in 4 points being added to the driver's record. These points are added when the driver is convicted or cited for the offense.

Under Missouri's point system, accumulating eight or more points within 18 months can lead to the suspension of the driver's license. This is a necessary consequence, as the 4 points for driving without insurance can contribute to reaching the 8-point threshold that triggers the license suspension.

For more information about Missouri DOR's point system, see the Driver Record Traffic Violation Descriptions and Points Assessed (Form 899).

Suspension of Driver's License

The suspension of a driver's license for driving without insurance varies based on the number of prior offenses and the specifics of the current offense.

A first offense typically results in a "0-day suspension," indicating the license is suspended but without immediate loss of driving privileges. A second offense leads to a 90-day suspension, while a third offense and subsequent offenses incur a one-year suspension.

The court exercises discretion in determining the length of suspension, considering factors like the driver's past record and the severity of the current offense.

To regain their license after suspension, drivers must provide proof of insurance and pay a reinstatement fee ranging from $20 for the first suspension to $400 for subsequent suspensions, along with maintaining continuous insurance coverage as required by law.

How To Choose the Right Auto Insurance in Missouri?

Given the above important legal and financial reasons, all Missouri drivers must secure the appropriate auto insurance coverage. Thoroughly researching and selecting the right insurance provider is essential to complying with the law and protecting oneself on the road.

Evaluating Lender Requirements

When seeking the right auto insurance in MO, thoroughly review the loan agreement or financing contract. Lenders usually specify the minimum insurance coverage needed to safeguard their investment in the vehicle.

Considering Personal Coverage Needs

Individuals' coverage needs vary based on factors such as their driving habits, geographical location, type of vehicle, and financial circumstances. Personalizing coverage aligns protection with each person's specific needs and lifestyle, providing tailored financial security and peace of mind while driving.

Shopping and Comparing Insurance Providers

It is recommended that the individual get quotes from multiple reputable insurers operating in Missouri to thoroughly compare the premiums, coverage details, deductibles, and customer service ratings across different providers.

How To Find a Missouri Licensed Insurance Company?

When searching for auto insurance in Missouri, individuals should utilize several vital resources to find a licensed and reputable provider.

Firstly, check the company lookup tool on the MO DOI's website. It maintains a list of authorized insurers, which allows consumers to verify a company's standing within the state and ensure they are legally permitted to provide insurance coverage.

Once potential insurers are identified, it is crucial to conduct further research. Review customer service ratings and feedback from reliable sources such as state consumer protection agencies like the Better Business Bureau (BBB) - Missouri. This agency provides consumer ratings and reviews of businesses, including insurance companies.

Furthermore, the free public lookup tool available in the State-Based System (SBS) of the National Association of Insurance Commissioners (NAIC) assists users in viewing information about insurance providers.

This tool is designed to access details such as the licensing status, complaint history, and financial strength ratings of insurance companies.

It is advisable to contact the insurance company directly before finalizing the deal. Confirm that they are licensed to operate in Missouri and offer the specific coverage required by state law.

What Factors Affect Auto Insurance Rates in Missouri?

Before purchasing policies, drivers must understand how insurers determine premiums. This helps them make informed decisions about coverage options and costs.

When costing premiums, insurers in Missouri base their pricing on various types of risk assessments that consider unique circumstances and factors affecting auto insurance premiums:

Location-Based Risk

Urban areas such as Kansas City and St. Louis typically have higher premiums due to increased traffic volumes, accidents, theft, and vandalism rates than rural areas with lower population densities and less traffic.

Driving History and Behavior

Insurers assess drivers' history of accidents, traffic violations, and claims to gauge their risk profile. Drivers with a history of incidents often face higher premiums, reflecting their higher perceived risk.

Vehicle-Specific Risk

Factors such as the type, make, model, age, and value of the vehicle are also considered by insurers. Vehicles with higher repair costs or theft rates may have higher premiums.

Credit-Based Insurance Scores

Credit history can influence premiums in Missouri through credit-based insurance scores, which assess the likelihood of filing claims based on credit information.

To better understand how insurance companies assess auto credit scores in Missouri, refer to the auto credit scoring table of the top 10 private passenger auto insurers as of September 2009, available on the MO DOI's website.

Usage Patterns

How the vehicle is used (e.g., commuting, business, pleasure) and annual mileage impact premiums. Vehicles used for business purposes or long commutes may incur higher premiums due to increased exposure to risk.

Demographic Factors

Age, gender, marital status, and sometimes occupation are used in risk assessment. Younger and male drivers typically face higher premiums due to statistical risk factors associated with these demographics.

Coverage and Deductibles

The chosen level of coverage (e.g., liability limits, comprehensive, collision) and deductible amount affect premiums. Higher coverage and lower deductibles generally result in higher premiums.

How To Save Money on Auto Insurance in Missouri?

Once the driver has determined the appropriate insurance company and policies to purchase, the next step is to learn effective money-saving strategies. These include comparing rates, taking advantage of discounts, increasing deductibles, paying premiums in full, and considering group insurance plans.

With these techniques, drivers can reduce insurance costs without compromising necessary coverage.

Compare Rates

Comparing rates, coverage, and service quality across several providers in Missouri can potentially lead to significant savings, often ranging from $50 to $100 per year.

While online insurance quote platforms can be a helpful starting point, it is generally advisable to work with a local agent for a comprehensive understanding of the policy and access to personalized support.

Utilize Discounts

Many insurance providers in MO offer various discounts that can significantly lower auto insurance premiums.

For instance, some companies provide "good student" discounts for young drivers with vital academic records. Additionally, insurers may offer discounts for insuring coverage for multiple vehicles or bundling auto and homeowners insurance.

Raise Deductible

One effective way for individuals to reduce their auto insurance premiums is to increase the deductible amounts on their policies.

Raising the deductible can significantly lower the monthly or annual auto insurance premium, as the policyholder assumes a greater share of the financial responsibility in the event of a claim.

Avoid Installment Payment Plans

In Missouri, paying the total auto insurance policy premium upfront is generally more cost-effective for consumers than opting for installment payment plans offered by the insurance company. These periodic payment plans often come with additional fees, making them a more expensive option.

Alternatively, consumers should be cautious about seeking external premium financing, as the associated charges can be high.

Consider Group Insurance Plans

Some groups, such as associations or employers, may offer members the opportunity to purchase auto insurance through special arrangements with insurance providers.

While group insurance plans can sometimes save money, drivers should investigate the cost of purchasing insurance coverage independently to make an informed decision.

After comparing these costs with the rates offered through accessible group programs, drivers can choose the option that best meets their needs and budget in the event of an auto accident.

What To Do After an Auto Accident in Missouri?

When faced with an unexpected car accident situation, the driver needs to know the proper steps to take to prioritize the safety of all involved and fulfill their legal responsibilities. Here are the steps to consider:

Stop and Assess

The first important step is to stop the vehicle immediately at the scene of the accident. In Missouri, leaving the scene before fulfilling legal responsibilities is considered a Class A misdemeanor. Therefore, the driver must remain at the location until they have met all their obligations.

Once the situation is secure, the driver should assess themselves and any passengers or other parties for injuries and call 911 if emergency medical attention is required.

Contact Law Enforcement

Next is to contact law enforcement after any car accident in Missouri, regardless of severity.

When law enforcement responds, they prepare a police report that officially documents vital details like the parties involved, witness statements, and the extent of damages/injuries.

The police report is essential for filing insurance claims related to the accident. It provides an authoritative, official account that insurers rely on to efficiently determine liability and process claims. Without this official documentation, insurers may be more skeptical of claims or take longer to resolve them, as they lack the necessary details about the incident.

Exchange Contact Information With Other Parties Involved

While waiting for the authorities, the driver should exchange contact information with the other parties involved, including:

• Names
• Addresses
• Phone numbers
• Insurance details
• Vehicle information

This exchange is essential for insurance purposes in MO, as the insurance companies must communicate with all affected individuals.

Document the Accident Scene

The driver should also document the accident by photographing the vehicle damage, road conditions, and any relevant details specific to Missouri roadways or signage. This visual evidence can be helpful for insurance claims.

Notify Insurance Company

The next step is to notify their insurance company about the accident, even if they believe they were not at fault. Missouri insurers are required to provide timely responses and fair claim processing.

Seek Medical Evaluation

Even if injuries are not initially apparent, seek medical evaluation. Medical treatment documentation is vital for insurance claims and legal proceedings in MO.

Filing an Accident Report

Missouri motorists must file a Motor Vehicle Accident Report (Form 1104) with the state's Driver License Bureau (DLB) within 30 days, as Section 303.040 of the Motor Vehicle Financial Responsibility Law outlines.

These conditions must all be met before filing the accident report:

• Accidents occurring in Missouri within the past year
• Incidents involving uninsured motorists
• Accidents resulting in injury, death, or property damage exceeding $500

Drivers can access the form from various sources, such as the MO DOR's website, their insurance provider, the DLB, or the nearest local license offices. Once completed, the report form must be mailed to the DLB at the following address:

The accident report is an important document that records the details of the mishap. This documentation is crucial for insurance claims processing, legal proceedings, and maintaining accountability for all parties involved.

How To File an Insurance Claim in Missouri?

Once all necessary documents are gathered, the next step is to initiate the insurance claims process.

This begins by following the insurance provider's specific procedures for submitting the claim, whether that entails completing claim forms or utilizing their online claims platform.

After the claim has been filed, the insurance company will investigate the case details. As part of this investigation, they may send an insurance adjuster to inspect the vehicle's damage.

During this stage, the policyholder must cooperate fully with the insurer's requests, which may involve providing written statements, photographs, or any other evidence that can aid in their assessment of the claim.

Once the investigation is complete, the insurance company will present the policyholder with a settlement offer to cover the damages from the accident. At this point, it is essential for the policyholder to carefully review the settlement amount to make sure it adequately addresses their losses.

If needed, the policyholder can negotiate the settlement with the insurer to reach a fair resolution following the state's insurance regulations as per MO Revised Statutes Chapter 375.

Finally, to conclude the claims process, the policyholder must sign any necessary paperwork or documents provided by the insurance company. They should keep copies of all the materials related to their claim for their records.

Consumer Complaint

Consumers wishing to file a complaint against an insurance company or agent can do so through the online consumer complaint platform of Missouri's Division of Consumer Affairs (MO DCA)

Alternatively, individuals can print and complete a complaint form and submit it via fax or mail to the MO DCA's office:

Once the MO DCA receives a complaint, they will formally notify the insurance company or agent and request a written response. The Division will also review the company's response to verify its compliance with Missouri insurance laws and policy requirements.

For questions regarding consumer complaints, call the insurance consumer hotline at 800-726-7390.