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Missouri Insurance Laws and Regulations

The Missouri Department of Insurance develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about your auto and home insurance. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Department of Insurance. The state of Missouri shares consumer complaint information for consumers to use the learn more about insurance companies. 

Important Laws

The Missouri Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

A summary of the driving safety laws for the state of Missouri can be found at this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Missouri.

Missouri has minimum auto insurance amounts that are required by law. The table below shows the MO minimum car insurance limits.

Resources Available to Consumers

Small Claims Court is available for consumers to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, do not have adequate insurance coverage or are the victim of a flood.