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Missouri Auto Insurance Law Requirements
When it comes to auto insurance, Missouri is like most states in that it has certain requirements regarding coverage. Missouri car insurance laws requires you to have Bodily Injury Liability of $25,000 per person with a total of $50,000 per accident. They also require you to carry Property Damage Liability coverage with a minimum limit of $10,000. Most Missouri auto insurance insiders refer to this as 25/50/10 coverage.
Missouri does require drivers to get coverage for uninsured or underinsured motorist. When you request a Missouri auto insurance quote you need to add a minimum of $25,000 per person and $50,000 per accident in UM Liability insurance. You may also request coverage for theft and other variables when you request your Missouri car insurance quotes.
When you are considering your options for Missouri car insurance it is important to know that the state uses the tort system. This means that someone must be determined at fault for an accident. After fault has been established that person must use their insurance policy to cover all the damages that occurred as a result of the accident. If they do not have adequate coverage they can be sued civilly.
Before you get a Missouri auto insurance quote not only is important to know what coverage you want and need, but you should also have an idea of what coverage should cost. Missouri car insurance cost an average of $1,648 per year per person. That said, it is important to shop around and get rates from a few different companies so you insure that you get the very best rate that is available to you.