According to the insurance regulator for MO, Missouri law requires an automobile liability policy to include:

Bodily injury (BI) liability insurance of $25,000 per person for bodily injury, $50,000 per accident for bodily injury. BI protects you and your family financially if you are sued by someone injured in an accident in which you were involved. It will pay legal and court costs and damages awarded up to the limits written into the policy. Bodily injury is for others, not you.

Property damage (PD) liability insurance of $10,000 per accident which covers your legal responsibility for damages to the property of others caused by collision with your car. In an accident, the “property of others” is usually another car, but it also covers damage to public and private property such as road signs, bridges, or buildings, up to the limits written into the policy. Do not confuse this coverage with physical damage or collision insurance, which applies to damage or loss to your car, regardless of fault.

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 accident. Uninsured motorists insurance (UM),covers your bodily injuries and those of your passengers if you are hit by an uninsured motorist or hit-and-run driver who is responsible for the accident. It does not cover damages to your car.

Medical payments insurance is optional in Missouri. This type of auto insurance pays for your medical costs up to the limit stated in the policy. It covers you or your family for injuries sustained while in your car or as a pedestrian struck by a motor vehicle. Some policies also cover you when you are in someone else’s car. Passengers in your car also are covered.

Medical payment insurance usually also covers funeral expenses in connection with an automobile accident. However, some policies may only pay the amount not covered by other collectible health or accident insurance.

Since Medical Payment is an optional insurance coverage in MO it is a personal choice if you want to add it to your auto policy or not depending upon your own situation. For example if you have health insurance that would cover injuries from an automobile accident then you may not find it necessary.

You can learn our recommendations by using our coverage calculateor.

To get a quote for Missouri auto insurance click here.