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Types of Coverage

The Missouri DOR recognizes and explains the following types of auto insurance coverage:

  • Motor vehicle liability insurance
  • Self-insurance ID card issued by the Department of Revenue. To be self-insured, you must have more than 25 vehicles and be able to show you can and will pay for damage caused by your vehicles
  • A surety bond, certificate of deposit of money, or other types of securities in the amount of $60,000 filed with the Department of Revenue
  • A real estate bond filed with the Department of Revenue


No matter the type of required insurance you elect to employ for yourself or your company, proof of insurance must be kept with your or your designated drivers at all times.

Insurance companies also offer various types of auto insurance, and Missouri has provided consumers with a handy educational auto insurance guide to assist them in the selection process.  According to the guide, the following types of auto insurance coverage are available to Missouri drivers:

Liability Coverage – This coverage will pay for damage you cause to another person or to another person’s property.  There are several types of liability insurance:

  • Bodily Injury Insurance
  • Property Damage Insurance
  • Uninsured Motorist Insurance


Comprehensive Coverage – This coverage will pay for damages to your car that result from theft, vandalism, fire, weather-related incidents and more.


Collision Coverage – This coverage will pay for damage to your car if it is in a collision, regardless of where the fault lies. 


Underinsured Motorist Coverage – This coverage will pay for medical expenses incurred by you or your passengers in the event that the driver at fault is underinsured.  This applies to medical expenses only.


Medical Coverage – This coverage pays for medical expenses incurred if you or one of your passengers is injured while in your car.  It also pays the medical expenses if you or a family member, as a pedestrian, is struck by a car.


Force Placed Coverage – This coverage can be ‘forced’ upon you by a lender in order to protect their interest in the investment.  It is advisable to purchase insurance on your own, as Force Placed coverage is quite expensive.


Optional Coverage – Coverage that is convenient but not required is called Optional Coverage.  This includes towing, rental, roadside assistance and more.

Discuss your coverage options with your insurance agent.  Remember – if you are looking to save money, auto insurance is not an area in which you want to cut-corners!  Maintain auto insurance coverage that provides the most protection and peace-of-mind for you and your family.

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