What type of insurance coverage is required in Missouri?

In Missouri, the law mandates that all drivers must have liability insurance that covers bodily injury and property damage. This type of insurance provides financial protection in the event that you are at fault in an accident, helping to cover the costs associated with injuries to others and damage to their property. The requirement is in place to ensure that individuals can compensate victims of accidents they cause, promoting financial responsibility on the roads.

Uninsured motorist coverage, while very beneficial, is not mandatory, although it offers protection against drivers who do not have any insurance. Comprehensive coverage and collision coverage, on the other hand, are optional forms of insurance that protect your vehicle from a variety of potential damages, but they do not fulfill the legal requirements for liability in Missouri. Thus, having liability insurance is the essential legal requirement for operating a vehicle in the state.