Driving without auto insurance is illegal in Missouri, and the state requires drivers to have a minimum level of liability coverage. But what exactly is the minimum liability insurance you need in the Show Me State? Liability limits in auto insurance are the maximum amount your insurance company will pay for injuries and property damage in accidents you cause. In Missouri, it's illegal to drive, maintain, or own a car without being able to prove that you have insurance that covers a minimum level of damage as a result of a car accident, even if you are not at fault. The minimum car insurance requirements in Missouri are predefined, but they are not intended to be a limit on the amount of coverage you can or should get.
Uninsured motorist insurance provides protection for damage suffered as a result of an accident caused by a person who is uninsured or does not have enough insurance to cover the cost of their damages. In addition to liability insurance, Missouri also requires insurance companies to include coverage for uninsured motorists. Personal injury protection is a type of car insurance used in no-fault states because it covers medical payments regardless of who caused the accident. MedPay is similar to PIP insurance in that they both manage your medical bills even if you cause a car accident.
It's always best to have all the liability coverage you can afford, especially if you have a high net worth. If you're interested in getting an auto insurance quote in Missouri, contact your American Family Insurance agent to discuss what type of protection best fits your needs and what discounts may apply in your region. No matter what, make sure you have enough insurance to comply with state law and avoid paying fines for driving without insurance. While the minimum car insurance requirements in Missouri are predefined, they are not intended to be a limit on the amount of coverage you can or should get.
