Driving your pre-owned certified Toyota through Missouri is a privilege, not a right. Because of this, there are some requirements the state has for you when you operate your vehicle. One of these requirements is that you maintain specified amounts of insurance on your car as you drive it through the St Louis area and beyond. So, just what does Missouri require?

The State of Missouri has specific insurance regulations for your certified Toyota. Not only are you required to have insurance, you have to keep proof of it in your vehicle, and you’ll need to show proof each time your register a vehicle. If you don’t have proof available in your car, a police officer can issue you a ticket for lack of proof, so it’s best to keep it in your glove compartment or somewhere else where it is easy to reach and find.

Missouri requires $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property damage. You should know that these are the minimum limits required by law for your certified Toyota, and that some accidents will cause more damage than these limits can cover. This is important because if there are greater damages, you will still have to find a way to pay them. It’s important to speak with your insurance agent to find the best coverage for your income and lifestyle to make sure you are truly covered.

Maintaining the minimum level of insurance for your pre-owned certified Toyota isn’t just the right thing to do—it’s the law. Be sure to investigate if this is enough coverage, and always carry proof in your vehicle. While we hope you never need to use your insurance, it can do a lot to protect your financial interests in the event of an accident, not to mention keep you compliant with Missouri law.