Reader’s Question:

I live in St. Louis Missouri. Are you REQUIRED to have both under-insured and uninsured coverage in Missouri or just either or? I am searching for auto insurance for my car in St. Louis and I am not sure what I am required to have and which is optional.

Jane

St. Louis, MO

The state of Missouri requires that all motor vehicle motorists and owners carry some type of motor vehicle liability insurance coverage.

If you are the operator or owner of a car in St Louis Missouri, you are required by law to insure that car with coverage for injuries you cause to another, in at least $25,000 per person up to $50,000 per accident of bodily injury liability, and $10,000 for property damage liability insurance coverage.

A $25,000 in bodily injury uninsured motorist that can be made to one individual involved per accident, including you and $50,000 is the maximum bodily injury uninsured motorist payment that can be made to all persons involved per accident, including you is required.

Uninsured motorist coverage is therefore required while underinsured motorist is an optional additional coverage. To get more information on insurance laws of MO contact the Missouri Department of Insurance.

Reader’s Question:

I just want to ask if Missouri is a no-fault insurance state. I will be relocating to the St. Louis MO suburban area from a no-fault state in Michigan. Should I expect the cost of my insurance to be cheaper or at least lower?

Bob

St. Louis, MO

The state of Missouri is not a no-fault state. Missouri law requires all owners of motor vehicle to carry car insurance with liability limits of $25,000 per person for bodily injury up to $50,000 for bodily injury per accident and $10,000 for property damage per accident. The Missouri law also requires uninsured driver coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

If another motorist hits you and leaves the scene you should contact the law enforcement station. They will investigate the hit and run and if they find the hit-and-run motorist you can file a claim against them and/or their insurance company. If you have physical damage coverage then your car is covered. If you have uninsured/underinsured motorist bodily injury coverage then your medical coverage would be covered. You should always buy as much insurance as you can afford.

If you are looking for a cheap car insurance, you may begin by shopping through the internet from these individual insurance company websites in St. Louis, MO.