What are Auto Insurance Requirements in Des Peres MO?

Avoiding the Risk of Financial Loss

What are Auto Insurance Requirements in Des Peres MO? | Alternatives Insurance® of Des Peres | (314) 822-0100Many drivers are unaware of the insurance requirements in Des Peres Missouri and begin to search online for “ What are Auto Insurance Requirements in Des Peres MO? “   Alternatives Insurance® of Des Peres agents are here to help you understand the requirements for auto insurance and the potential danger if you do not have the proper coverage.

Every year thousands of Missourians are involved in accidents with uninsured drivers, resulting in unpaid damage claims and higher premium rates for everyone. It is estimated that 14 percent of Missouri drivers lack insurance although state law requires all vehicle drivers and owners to maintain a minimum amount of liability and uninsured motorist coverages.  With that, Missouri residents are required to show proof of insurance when registering a motor vehicle or renewing their license plates. All motor vehicle owners must also keep proof of insurance in their vehicle(s) to be able to show proof of insurance anytime you are dealing with the authorities.

Most drivers are not aware of the risks they are taking when opting to purchase the state minimum insurance that is required by Missouri law.  Liability Coverage protects the persons involved with an accident.  Bodily injury per person, bodily injury per accident, property damage and uninsured motorists coverage.

What are Auto Insurance Requirements in Des Peres MO? | Alternatives Insurance® of Des Peres | (314) 822-0100Missouri also requires drivers to hold uninsured motorist coverage for bodily injury at the same minimums as those listed for liability coverage.  Uninsured motorist coverage protects you if you’re in a car accident and the other driver is at fault – and that driver doesn’t have car insurance!  Uninsured motorist coverage will help protect you. It can cover injury-related medical expenses and costs associated with repairing damage to your car.  Roughly 1 in 7 drivers do not carry insurance, and unfortunately for that 1 in 7, you could pay the price if in an accident with an uninsured driver.

Buying car insurance or just minimum coverage, without fully understanding your risk and coverage needs, could be a very costly mistake.  It does not cost more to have our professional agents review your policy and help you understand your current coverages and make recommendations if you need more based on your situation.

Driving uninsured is illegal.  Many insurance carriers charge more for insurance if there is a lapse in coverage.  Some of which may not insure you at all.  The cost could be astronomical if you have not carried auto insurance on a consistent basis.

Accidents are hard enough without having to go it alone. Alternatives Insurance® Of Des Peres agents are able to shop many carriers and could find the best match for you.  If you have any questions and Concerns about your Auto insurance, please feel free to call us and we will help you.  Office hours are Monday-Friday 9 a.m. and 5 p.m.



Adam Majnerich has been an insurance professional for over 16 years and earned the position of General Manager for MJM Insurance™. His professionalism and attention to detail along with his utilization of technology ensures every client receives the most accurate, competitive, efficient and complete risk solutions.

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