Auto Insurance Requirements So That You Are Legally Covered
When you need to get MO auto insurance you will need to make sure you are legally covered, in order to drive safely within the law.
I wish to tell you about what you will need as a minimum as insurance cover requirements can vary from state to state across America.
You must firstly be able to show proof that you are able to cover any costs you may be liable for by showing your insurance policy meets the needs of Missouri.
The first being that you must have bodily insurance liability cover of at least $25000 per person you wish to cover and $50000 per accident.
You will also need to be covered for any property that may be damaged as a result of an accident.
One example of this is if you were to run into a mail box, a garden fence or similar, this would mean that neither you nor the owner of any property lost or damaged will be left out of pocket.
The minimum you will need to be covered for is $10000.
You will also need to have uninsured motorist bodily liability insurance which will mean that if you are in a n accident and the person who hits you is not insured your medical costs will be covered.
This insurance cover will have to be a minimum of $25000 per person you wish to cover and $50000 each accident.
The latter of getting insurance is to post a certificate proving that you have enough money to cover you and any others in the event of an accident, but this is something that is rarely done as it is easier and more cost effective to have insurance that covers you.
If you will not be driving your own vehicle when in Missouri and wish to lease, the insurance minimum requirements will differ slightly, meaning that you will need a minimum of $100000 per person and $300000 per accident in the way of bodily injury liability cover, property damage cover of $50000 and comprehensive and collision coverage which will vary depending on your leasing company.
Not being insured could mean that you are not only left out of pocket but are also liable to pay a major court fine, and be forced to pay from your own pocket any damages you are responsible for.
You could even end up serving a jail sentence which is why you need to make sure you have the correct coverage and carry proof of such when ever you wish to drive in Missouri.
I wish to tell you about what you will need as a minimum as insurance cover requirements can vary from state to state across America.
You must firstly be able to show proof that you are able to cover any costs you may be liable for by showing your insurance policy meets the needs of Missouri.
The first being that you must have bodily insurance liability cover of at least $25000 per person you wish to cover and $50000 per accident.
You will also need to be covered for any property that may be damaged as a result of an accident.
One example of this is if you were to run into a mail box, a garden fence or similar, this would mean that neither you nor the owner of any property lost or damaged will be left out of pocket.
The minimum you will need to be covered for is $10000.
You will also need to have uninsured motorist bodily liability insurance which will mean that if you are in a n accident and the person who hits you is not insured your medical costs will be covered.
This insurance cover will have to be a minimum of $25000 per person you wish to cover and $50000 each accident.
The latter of getting insurance is to post a certificate proving that you have enough money to cover you and any others in the event of an accident, but this is something that is rarely done as it is easier and more cost effective to have insurance that covers you.
If you will not be driving your own vehicle when in Missouri and wish to lease, the insurance minimum requirements will differ slightly, meaning that you will need a minimum of $100000 per person and $300000 per accident in the way of bodily injury liability cover, property damage cover of $50000 and comprehensive and collision coverage which will vary depending on your leasing company.
Not being insured could mean that you are not only left out of pocket but are also liable to pay a major court fine, and be forced to pay from your own pocket any damages you are responsible for.
You could even end up serving a jail sentence which is why you need to make sure you have the correct coverage and carry proof of such when ever you wish to drive in Missouri.
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