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Vehicle insurance is required in the state of Missouri. State and federal law mandates all vehicle owners to maintain some form of vehicle insurance coverage. As in most other states, thousands of citizens get involved in vehicular accidents with drivers who do not have required vehicle insurance. Result of accidents of this type bring about various problems on the part of both the driver and the individual. This may range from unpaid collision damage claims to more serious consequences such as higher insurance premium rates imposed by insurance providers to Missourians.

To register a motor vehicle, the state basically requires liability insurance. When registering a vehicle or renewing a license plate, the owner is required to present a document that proves your vehicle insurance. The state also requires drivers to have a copy of this proof at all times so that when a law enforcer randomly asks, you will not be issued a ticket. A law effective January of 1998 has been imposed to allow police officers to issue criminal citations to those who drive uninsured vehicles.

What is primarily required by the state is vehicle liability insurance. This covers your liability when property damage or injuries due to accidents happen with you at fault. Since 1987, a minimum liability coverage has been imposed by the state and set at $25,000 if one person is involved in the accident. This amount doubles when more than one person is involved in the accident, plus $10,000 coverage for property damage.

It is illegal in Missouri to drive a car that has no liability insurance. If you are caught without your proof of insurance, three impositions may happen:

• The court can send a report to the Drivers License Bureau and the corresponding conviction will be entered into the your driving record. For this, four points will be assessed. (If you reach 18 points within an 18 month period, you lose the right to drive in Missouri).
• The court can put you in supervision, where the Driver License Bureau will monitor you to ensure that you maintain the required liability insurance.
• The court can order suspension of your driver's license which is then forwards to the Driver's License Bureau.
• Reinstatement fees may be required when these cases happen.

Owers of unused cars are also mandated to have liability insurance. Those who refuse to obtain insurance for these cars are forced to retire these automobiles or else the registration of these cars can not be renewed. Missouri law is relatively strict in terms of vehicle insurance, and this is for a good reason. Since the mandatory imposition of vehicle insurance, conditions resulting from vehicular accidents have been more favorable. Thus, if you are a Missourian, never forget your vehicle insurance coverage and choose a good company to provide you maximum protection. Lastly, note that the minimum coverage required by the state may not fully protect you from financial losses should accidents happen. It is best to consult with an insurance agent to determine what your needs are.