Missouri Auto Insurance Laws Specialists
Laws on auto insurance are critical for anyone who’s driving in the state of Missouri. Here, we’ll break down auto insurance requirements, claim laws, what happens if you drive without insurance, and more. Buchanan, Williams & O’Brien have been a trusted law firm serving Missourians for over 40 years.
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Missouri State Minimum Auto Insurance
The Missouri state minimum auto insurance laws govern what types and quantities of car insurance coverage motorists need. Basic liability insurance covers the minimum requirements for both personal injury and property damage liability.
In most cases, you will be able to read up on insurance plans and choose one for yourself. However, if you operate a motor vehicle for a living, you might want to get advice either from your employer or an attorney to make sure that you and your livelihood are protected.
Missouri Minimum Auto Insurance
The Missouri minimum auto insurance requires $25,000 worth of protection. The contemporary policy needs to likewise cover a minimum of $50,000 worth of protection for injuries to more than one individual in an accident.
If you let your insurance protection lapse, you will undergo suspension of the license of your car and perhaps even yours as a driver. An attorney with criminal law and traffic tickets experience can help explain your case in court.
Missouri Minimum Car Insurance
For Missouri minimum car insurance coverage, there is an included $10,000 worth of protection for damage to another individual’s home. These minimum insurance coverage amounts do not cover damage to the insurance policy holder’s automobile. Those damages and the insurance to cover them are an additional charge.
The required minimum charge for the Missouri auto insurance laws merely covers the damages of those experienced by other’s others. Additionally, more thorough protection may be required to cover your expenses. This is especially true for people who drive as part of their work.
Confused about Missouri auto insurance laws? We are here to answer your questions.
Auto Insurance Missouri
Few experiences are more abrupt and unforeseen than a car accident, which is why car insurance in Missouri is so important. Unfortunately with hectic schedules and distractions, they are increasingly common.
These events may trigger distress, discomfort, and money problems. With the Missouri auto insurance laws like statute 303.040, there are specific rules for reporting a crash. With comparative liability, consulting a local attorney familiar with the state laws is advised.
Under Missouri Law, What Type of Auto Insurance Is Required?
Under Missouri law, what type of auto insurance is required? According to the Missouri Department of Insurance, there are two kinds of protection every driver should carry. The very first is uninsured vehicle driver protection and the second is liability protection.
As the name indicates, uninsured vehicle driver insurance coverage exists to assist with damages occurring from a crash brought on by an uninsured motorist. With uninsured motorist coverage, you can be protected in case of a hit-and-run or if the other driver has no insurance. This type of insurance in Missouri requires that drivers carry $25,000 bodily injury liability per person and $50,000 bodily liability insurance per accident. A Missouri auto insurance lawyer can assist and represent you in these matters.
When it comes to liability insurance, Missouri car insurance requirements are $25,000 for bodily injury per accident per person and $50,000 for bodily injury for all involved per accident. Minimum liability coverage also includes $10,000 for property damage coverage per accident.
Liability coverage kicks in if you cause the car accident and covers property damage, medical costs, and other potential costs up to the coverage limits. If the policy limits are exhausted, you are personally and financially responsible for any other medical bills or other costs. Also, don’t forget that car insurance rates in Missouri will be significantly higher in case of an at-fault accident.
Driving Without Insurance Missouri
Driving without insurance in Missouri is a legal and financial hazard. Fortunately, if a motorist can not find automobile insurance coverage in the primary coverage market, they can obtain protection through the Car Insurance Coverage Plan.
Missouri law sections 303.200 and 379.460 developed the Plan to supply protection to high-risk motorists who can not acquire protection in the general market. Missouri drivers who sign up for the plan should attest that they have actually tried to acquire insurance coverage in Missouri within the last 60 days and have been unable to do so. The driver should likewise bring a legitimate state ID or license or be qualified to get one.
What Are the Missouri Insurance Requirements?
The Missouri insurance requirements are firm. Numerous individuals live their lives without needing the counsel of a car accident lawyer in Missouri. Reaching out to an attorney is simply one of the very first things you need to do if you find yourself involved in an accident. The other individual may not claim any responsibility.
This results in a comparative liability issue. This is one of the reasons it is essential to get an attorney experienced in Missouri litigation. One who has knowledge in preparing civil cases that include handling mass tort lawsuits and injuries is advised.
When making insurance decisions, it’s a good idea to be familiar with the legal requirements. It’s also a good idea to talk with and get a quote from more than one insurance company. Then, you can contact an experienced attorney for assistance, advice, and advocacy for auto insurance-related issues or help to decide how to move forward with your case.