Motorcycle Insurance Laws In Missouri

Missouri law requires residents to have motor vehicle liability insurance coverage when driving or owning a vehicle. The state also requires motorcyclists to show proof that they are financially responsible before they receive their registration and start riding. 
Missouri is an “at-fault” motorcycle insurance state, meaning the blame is on the person responsible for the losses. Without proper insurance coverage and when facing fault in an accident, you can face: 

  • Fines 
  • Penalties 
  • Suspended license 
  • Potential jail time 

To further understand motorcycle insurance laws in Missouri, you will have to consider the state’s insurance requirements, the various types of insurance coverages, what makes a motorcycle street legal, and proof of insurance. 

Motorcycle Insurance Requirements in Missouri 

The state of Missouri requires motorcyclists to have liability insurance before ever riding their bike and registering it. Liability insurance is valuable because it protects you if you are ever at fault for an accident. This insurance will cover someone else’s injuries or even their property damage. 
According to the Missouri Department of Revenue, the minimum insurance coverage amounts for motorcycles in Missouri are:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

These are only the minimum coverage amounts, so you may need more coverage to protect you financially. Accidents that lead to serious injuries could be extremely costly and can easily use up these minimum coverage amounts. This means you might have to pay out-of-pocket to cover the damages. No matter if you are at fault or not, you could end up spending a lot of money or lose vulnerable assets during a lawsuit. 

Proof of Insurance 

After you have purchased motorcycle insurance, you always have to have proof of insurance. This proof of insurance must detail your most current insurance policy. A simple way to show proof of insurance is by using an insurance card, which your insurance provider will send you. 
You can also show proof with a paid insurance receipt if you recently purchased your motorcycle. Proof of financial responsibility in the form of a bond or cash deposit, or a self-insurance certificate will do as well.

Riding With No Proof of Insurance

If you decide to ride your motorcycle without proof of insurance, you could face several penalties. You may face a supervision order where the state of Missouri will begin to monitor you. You can also negatively impact your driving record, and you can lose up to four points or face a suspended license penalty. 
If you ride your motorcycle with no insurance at all, you will automatically face fees and a suspended license. The Missouri Department of Revenue also states that riders will have to file an SR-22 form, which is a financial responsibility form, for three years after your suspension is over.

Types of Motorcycle Insurance Coverage 

The minimum requirements for motorcycle insurance coverage in Missouri only cover riders for liability. While these minimums seem costly, you still might need more coverage in order to protect you and your equipment in the event of an accident or other mishap.
Here are five motorcycle insurance coverages in Missouri you can consider adding to your policy: 

Comprehensive Coverage

This insurance coverage is used for theft, damage to your bike, or vandalism. If fire, water, or wind, damages your motorcycle, you could use comprehensive coverage to manage the costs of repairing your equipment. 

Collision Coverage

If you are involved in a motorcycle accident, you will likely want to have collision coverage if there are substantial damages to your bike. 

Uninsured/Under-Insured Motorist Coverage

This type of insurance coverage can protect Missouri riders from other riders who have no insurance or are underinsured when involved in an accident. 

Bodily Injury Coverage

This coverage helps riders involved in at-fault accidents when there are injuries or even death. You can also use this coverage for your passengers if they are injured in an accident. 

Medical Payment Coverage

Riders can use this coverage for a variety of reasons, including funeral costs. Medical payment coverage manages prescription drug payments, deductibles, home nursing care, dental care, and more. 

Getting Motorcycle Insurance Legal Help 

Motorcycle insurance laws in Missouri must be understood before you consider going out for your first ride. Whenever you get on a bike to ride with insurance, there will always be the risk of motor vehicle accidents. 
If you or a loved one were injured in a motorcycle accident, call Schultz & Myers, LLC, at 314-444-4444. Our team of motorcycle accident lawyers may be able to help you in a motorcycle accident lawsuit.

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