Liability Insurance — Missouri
Liability insurance covers damage you cause to other people and their property in an accident — it does not cover your own vehicle or injuries.
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What Is Liability Insurance Insurance?
Liability insurance pays for damage you cause to other people when you're at fault in an accident. It covers two categories: bodily injury liability pays for medical bills, lost wages, and legal costs for people you injure, while property damage liability pays to repair or replace vehicles and other property you damage. Your liability policy does not pay for your own medical bills, vehicle repairs, or lost income — those require separate coverage types or come out of pocket.
Who Needs Liability Insurance Insurance?
Liability insurance is legally required to reinstate your license in Missouri after any suspension, including DUI, excessive points, or failure to maintain coverage. If you don't own a vehicle but need to satisfy reinstatement requirements, a non-owner liability policy with SR-22 filing meets state mandates without insuring a car you don't drive. Drivers with assets to protect — home equity, savings accounts, retirement funds — should carry limits well above Missouri's minimums, since you're personally liable for crash costs exceeding your policy limits.
If you're reinstating after DUI, you must carry liability insurance with SR-22 filing for three years from the reinstatement date — there's no decision to make. If you're buying a non-owner policy just to satisfy reinstatement, Missouri's minimum 25/50/25 is sufficient unless you regularly borrow others' vehicles.
