Every driver in the State of Missouri is required to have an active policy on their vehicles, or they could be faced with certain penalties. You must have the following minimum amounts of liability coverage:
• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $10,000 per accident for property damage
You’re also required to have uninsured motorist coverage of at least $25,000 in bodily injury for every person and at least $50,000 in bodily injury for every accident, and you must make sure that you have proof of insurance inside your vehicle at all times.
Covered Individuals in a Missouri Auto Insurance Policy
If you have a Missouri auto insurance policy, it will cover the following individuals:
• The person who has been listed on the policy
• Any spouse or family member who is living in the same household
• Any other person who has been given permission to drive the vehicle
You can name specific individuals that you want to exclude from the policy, which can include any family members who live in your home. Some policies will only provide the minimum liability limits to any other person who is not living in the same household even if the limits are higher.
Finding the Right Auto Insurance Policy in the State of Missouri
If you live in Columbia or Jefferson City, MO and you want to find an auto insurance policy that meets state-required minimums, Luebbering Insurance Agency, LLC has experts who can find a plan that will meet your needs and fit your budget. Our team has a thorough understanding of insurance regulations in the State of Missouri, and we can help you get a policy that’s right for you and your family.
If you want to find a great auto insurance agency in Jefferson City, MO, get in touch with Luebbering Insurance Agency, LLC today! Our agents are ready to work on your policy and address any questions or concerns you may have.