MO DMV Insurance and Financial Responsibility 2 — Questions and Answers
Question 1: What is the minimum bodily injury liability coverage per person required in Missouri?
- $25,000 (Correct answer)
- $10,000
- $50,000
- $15,000
Correct answer: $25,000
Missouri requires minimum liability coverage of $25,000 for bodily injury per person.
Question 2: What is the minimum property damage liability coverage required by Missouri law?
- $25,000 (Correct answer)
- $5,000
- $10,000
- $50,000
Correct answer: $25,000
Missouri law requires at least $25,000 in property damage liability coverage per accident.
Question 3: Which coverage is Missouri drivers also required to carry in addition to liability insurance?
- Uninsured motorist coverage (Correct answer)
- Collision coverage
- Comprehensive coverage
- Rental reimbursement coverage
Correct answer: Uninsured motorist coverage
Missouri requires drivers to carry uninsured motorist coverage of at least $25,000 per person and $50,000 per accident.
Question 4: If you are stopped by law enforcement in Missouri, what must you show as proof of insurance?
- An insurance identification card or other acceptable proof of coverage (Correct answer)
- Only your driver license
- Your vehicle title
- A notarized letter from your employer
Correct answer: An insurance identification card or other acceptable proof of coverage
Drivers must present an insurance ID card or other acceptable proof of financial responsibility when requested by law enforcement.
Question 5: What happens the first time a Missouri driver is convicted of driving without insurance?
- Four points are added to their driving record and they may face supervision or suspension (Correct answer)
- Nothing, a warning is issued
- The vehicle is permanently confiscated
- They automatically go to jail for one year
Correct answer: Four points are added to their driving record and they may face supervision or suspension
A first conviction for no insurance adds 4 points to the driving record and can result in supervision requirements or suspension.
Question 6: Which of the following is an acceptable alternative to an insurance policy for meeting Missouri's financial responsibility law?
- A surety bond or certificate of deposit meeting state requirements (Correct answer)
- A handwritten promise to pay damages
- A credit card with a high limit
- A letter from a family member
Correct answer: A surety bond or certificate of deposit meeting state requirements
Missouri allows alternatives such as a surety bond, real estate bond, or certificate of deposit filed with the state instead of an insurance policy.
Question 7: Missouri's minimum bodily injury liability limit per accident (all persons combined) is:
- $50,000 (Correct answer)
- $25,000
- $100,000
- $30,000
Correct answer: $50,000
The per-accident bodily injury minimum in Missouri is $50,000 total for all injured persons.
MO DMV Insurance and Financial Responsibility 2
What is the minimum bodily injury liability coverage per person required in Missouri?