Missouri Auto Insurance
Reader’s Question:
What does it mean when you say “no-fault insurance”? Im from Springfield, Missouri.
Amelie
Springfield, MO
“No-fault” insurance refers to medical coverage which an individual is required by state law to carry on your car insurance. Though almost all insurance providers sell some type of medical coverage for their car insurance policies, not all states have “no-fault” statutes, . If you got involved in an accident for which you aren’t at-fault, and you live in a “no-fault” state, your own car insurance must pay for your medical bills. The “no-fault” insurance part comes from the fact that even though somebody say, plowed into the windshield of your vehicle while you were stopped at a red light, your own insurance company must pick up the ambulance, hospital, rehabilitation, etc. Some states allow “no-fault” insurance company to go after the at-fault party, but this differ too much to discuss here and it’s also relatively rare. It’s based typically on the amount of the medical bills or the weight of the at-fault party’s car. Most people who live in “no-fault” states usually believe they can prohibit their insurance company from paying their bills (with the assumption that they don’t want any payments made under their insurance policy in case their insurance premiums go up).
Auto Insurance Missouri
Filed under: Cheap Missouri car insurance, Missouri SR-22 Insurance
Reader’s Question:
We live in Kansas City, Missouri and I just want to know, is my car covered when my daughter drives it, if she is on his mother’s car insurance and my insurance is canceled? Does the vehicle legally have to be covered, the driver, or both?
John
Kansas City, MO
Missouri insurance follows vehicles, not the driver like in all states. I am not sure what you are asking. If you have no auto insurance on your car and your daughter drives it, her mother’s insurance won’t extend to your car. She can always report the accident to them if she has one, and they will have to examine your insurance policy language to know if the car qualifies for coverage with them. I am not going to get into the details of an insurance policy, but I will say it’s a possibility, but nothing you should bank on.
Basically you can’t “jump” on her mother’s policy for coverage just by the mere fact that your daughter drives the car. If it’s furnished in any way for his regular operation of the vehicle, it will most certainly not be covered.
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