Mandatory insurance — Missouri Permit Test

Missouri law requires all motor vehicle operators and owners to have a form of liability insurance, which is called financial responsibility.

The insurance is not for your car. It is for whatever you do to somebody else's.

State law requires all motor vehicle operators and owners to have a form of liability insurance.

Liability insurance covers the policyholder's legal liability for injuries to other people or damage to their property.

It pays for the harm you cause, not the harm you suffer. That distinction is the whole of what is required.

Liability insurance covers the policyholder’s legal liability resulting from injuries to other persons or damage to their property.

Missouri's minimum liability coverage is $25,000 per person for bodily injury.

Twenty-five thousand is the floor, and a single hospital stay can pass it.

$25,000 per person for bodily injury;

Missouri's minimum liability coverage is $50,000 per crash for bodily injury.

Fifty thousand covers the whole crash, not each person in it.

$50,000 per crash for bodily injury; and

Missouri's minimum liability coverage is $25,000 per crash for property damage.

That is one modern car, and not an expensive one.

$25,000 per crash for property damage.

The law also requires uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 per crash.

It covers you when the other driver has nothing, which is the situation the minimums exist because of.

The law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per crash.

What does Missouri law require of all motor vehicle operators and owners?

A form of liability insurance. The insurance is not for your car. It is for whatever you do to somebody else's. Missouri Driver Guide, p.79: “State law requires all motor vehicle operators and owners to have a form of liability insurance.”