Missouri drivers must carry two different types of liability coverage, these being property damage liability and bodily injury liability. These kinds of liability coverage help to protect the driver if he or she is responsible for an accident that results in personal injury or in property damage. By having this insurance in place, the insured driver is protected from having to pay a number of expenses that may be associated with the accident. These expenses may include medical expenses, lost wages, or pain and suffering that a victim of the accident may experience.
Drivers in Missouri are also required to carry underinsured and uninsured coverage. This coverage protects the driver if he or she is in an accident with a driver that does not have insurance or that has an inadequate amount of insurance coverage.
In Missouri, the minimum amount of liability insurance coverage a driver must carry is 25/50/10. This means the driver is responsible for carrying at least $25,000 in coverage per person for any injuries that others might experience in an accident with the insured driver. Missouri drivers must also carry $50,000 in coverage per accident.
Bodily Injury Liability, or simply BI for short, is a form of insurance that covers the insured driver if a person is injured because of an accident caused by the insured driver. Bodily Injury Liability also covers the expenses resulting from the death of those involved in the accident. This coverage applies to the driver of the other vehicle as well as the passengers that may have been in the insured driver’s vehicle or in the vehicle of other drivers. Pedestrians are also covered by this insurance. Bodily Injury Liability coverage must provide $25,000 worth of coverage per person and $50,000 per accident in order to meet the state’s minimum requirements.
Property Damage, which is referred to as PD for short, is a form of that pays the driver for the replacement or repair of any property that was damaged from an accident caused by the insured driver. Property damage insurance may include the cost of paying for the repair or replacement of the vehicle driven by the other driver or any additional property that may have been damaged by the accident. This type of insurance must provide at least $10,000 worth of coverage per accident.
Missouri drivers must also present proof of auto insurance coverage if they wish to register their vehicles and legally drive in the state. There are many ways a driver in Missouri can prove that he or she has the right type of insurance coverage in place. The simplest method for proving coverage is to carry a temporary insurance, which is issued automatically by the insurance companies in the state. Drivers may use other methods, however, such as using the premium receipt or an insurance binder issued by the agent. A Missouri driver may also show a current declarations page for the policy as proof of coverage. In addition, the driver may show the actual insurance policy or a certificate of liability insurance policy, which must have been issued by either an authorized agent or an insurer.