Do I Need Motorcycle Insurance in Missouri?

Missouri is home to more than 180,000 motorcycle owners. Its picture-perfect highways make it a great place to ride. However, if you’re considering owning a motorcycle in Missouri, you will need to have insurance. Here’s a breakdown of the state’s policy on motorcycle insurance.

Why Motorcycle Insurance Is Required in Missouri

In Missouri, all motor vehicles require insurance. In fact, you must show proof of insurance before registering your motorcycle. Missouri is an “at-fault” state, which means you need coverage. If you don’t have insurance and are found at fault in an accident, you could face consequences such as fines, a suspended license, or even jail time. Even if you aren’t at fault, your insurance exists to protect you.

Missouri Motorcycle Insurance Requirements

Missouri insurance law requires your motorcycle policy to meet basic limits. These limits include:

1. $25,000 for death or bodily injury to one person
2. $50,000 for death or bodily injury to two or more people
3. $10,000 for damage or destruction of property

Missouri requires a higher policy than most states, but it ensures you’re covered. There are additional policies you can include on your insurance plan, including collision coverage and uninsured motorist coverage. It’s important to remember that you’re responsible for any additional costs past what your insurance covers.

The Importance of Motorcycle Insurance and Legal Services

While riding a motorcycle can be fun, there are inherent risks. Motorcycle accidents can be more severe than car accidents, causing serious injury. Even with your insurance policy, you should contact a lawyer following a motorcycle accident. An experienced attorney will be able to help you navigate your claim and win you the benefits you deserve.

Expert Legal Help for Missouri Motorcycle Accident Victims

If you’ve been injured in a motorcycle accident in Missouri, contact the legal experts at Lanzotti & Rau. Our team of knowledgeable lawyers can help you pursue legal action to receive compensation for your motorcycle accident. We handle our cases on a contingent fee basis, meaning we don’t get paid until you get paid. To learn more about our services or schedule your free consultation, call Lanzotti & Rau today at 573-335-9300.