Missouri Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

• $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

• $10,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

• Uninsured Motorist (UM) Coverage. This coverage includes underinsured motorist (UIM) coverage. If purchased, it must be at least the amount of the bodily injury coverage required. The offer of UM coverage only applies to automobile liability insurance policies.

Special Rules for Motorcycle Owners.

• Insurance companies are not required to offer UM coverage to motorcycle owners.