Key Missouri facts: Insurance & Collisions
Missouri's minimum liability coverage for bodily injury is $25,000 per person. Chapter 13, Mandatory Insurance, Minimum Coverage Requirements, PDF p. 81 Minimum bodily injury liability is $50,000 per crash. Chapter 13, Mandatory Insurance, Minimum Coverage Requirements, PDF p. 81 Minimum property damage liability is $25,000 per crash. Chapter 13, Mandatory Insurance, Minimum Coverage Requirements, PDF p. 81 The law also requires uninsured motorist coverage of $25,000 per person and $50,000 per crash. Chapter 13, Mandatory Insurance, Minimum Coverage Requirements, PDF p. 81 Proof of insurance must be kept in the vehicle; a driver who cannot show it to an officer gets a ticket. Chapter 13, Mandatory Insurance, Maintaining Your Insurance, PDF p. 82 Sample Insurance & Collisions questions
Another driver caused your crash. Should you still contact your insurance company?
Yes, as soon as possible Only if you are sued No, never in that case Show the answer
Yes, as soon as possible
Contact your insurer soon, even if the crash was not your fault.
Source: Missouri Driver Guide, Chapter 13, Mandatory Insurance, Traffic Crashes, PDF p. 83
You have a minor crash and no one is hurt. What does Missouri's Move It law require?
Leave it for the police to see Stay in your lane until towed Move your vehicle off the road Show the answer
Move your vehicle off the road
Move onto the shoulder or another nearby spot off the roadway, which helps prevent secondary crashes.
Source: Missouri Driver Guide, Chapter 13, Mandatory Insurance, Steer It and Clear It, PDF p. 83
You have a second insurance suspension within two years. What is the reinstatement fee?
Show the answer
$200
A second suspension also means 90 days without your license or plates.
Source: Missouri Driver Guide, Chapter 13, Mandatory Insurance, Failure to Keep Insurance, PDF p. 82
What is Missouri's minimum liability coverage for bodily injury per person?
$10,000 $100,000 $50,000 $25,000 Show the answer
$25,000
State law sets $25,000 per person for bodily injury.
Source: Missouri Driver Guide, Chapter 13, Mandatory Insurance, Minimum Coverage Requirements, PDF p. 81
When a Missouri accident report is required, how soon must it reach the Department?
Within one year Within 24 hours Within 30 days Within 10 days Show the answer
Within 30 days
State law requires the report to be filed within 30 days.
Source: Missouri Driver Guide, Chapter 13, Mandatory Insurance, Filing an Accident Report, PDF p. 83
After a first suspension for not keeping insurance, how long must you file proof of insurance?
Six months Ten years 30 days Three years Show the answer
Three years
You also pay a $20 fee. The most common filing is an SR-22.
Source: Missouri Driver Guide, Chapter 13, Mandatory Insurance, Failure to Keep Insurance, PDF p. 82
An uninsured driver was in your crash. Above what property damage amount must you report it to the Driver License Bureau?
Show the answer
$500
The report is required when damage to property exceeds $500, or for injury or death.
Source: Missouri Driver Guide, Chapter 13, Mandatory Insurance, Filing an Accident Report, PDF pp. 83-84
What is Missouri's minimum liability coverage for property damage per crash?
$5,000 $10,000 $50,000 $25,000 Show the answer
$25,000
The property damage minimum is $25,000 per crash.
Source: Missouri Driver Guide, Chapter 13, Mandatory Insurance, Minimum Coverage Requirements, PDF p. 81
An at-fault driver leaves the damage from a crash unpaid. What can happen?
A 30-day revocation A one-year suspension No action can be taken A warning letter only Show the answer
A one-year suspension
Your license and/or plates are suspended for a year, unless you settle the damages and pay a $20 fee.
Source: Missouri Driver Guide, Chapter 13, Mandatory Insurance, Failure to Pay for Damages, PDF p. 82
An officer asks for your proof of insurance and you cannot show it. What happens?
Your car is sold You get a free card You receive a ticket Nothing happens Show the answer
You receive a ticket
Keep proof with you in the vehicle whenever you drive.
Source: Missouri Driver Guide, Chapter 13, Mandatory Insurance, Maintaining Your Insurance, PDF p. 82
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About these questions
We wrote these practice questions from the facts in the Missouri Driver Guide (Revised August 2026 (cover), read 2026-11-08, plus the Department of Revenue page on the Graduated Driver License Law edition) and from official sources on road signs. Every answer links to its source, so you can check it and read more.
DMV Decoded is an independent guide, not a government agency. This practice test is not connected to the Missouri Department of Revenue, and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.
