What is the minimum insurance coverage required in Missouri?

In Missouri, the minimum insurance coverage requirements follow a specific structure that is designed to protect both the policyholder and other road users in the event of an accident. The correct answer indicates a coverage of 25/50/10. Let's break down what this means:

• The first number (25) represents the minimum coverage for bodily injury per person. This means that if one person is injured in an accident that you are responsible for, your insurance must cover at least $25,000 in medical expenses for that individual.

• The second number (50) refers to the total bodily injury coverage per accident. If multiple individuals are injured in the same accident, your insurance must provide a combined total of at least $50,000 for all injuries in that particular incident.

• The third number (10) is the minimum coverage for property damage. This means that the insurance must cover up to $10,000 in damages to another person's property if you are found to be at fault in an accident.

Understanding these figures helps drivers in Missouri ensure they are meeting state requirements and provides a foundational level of financial protection in case of unforeseen events on the road. The specified coverage limits are essential for legal driving in Missouri, which is why they are standardized.