Mo. Rev. Stat. ch. 303

Mo. Rev. Stat. ch. 303
in effect

Mo. Rev. Stat. § 303.010 Title of law.

303.010. Title of law. — This chapter may be cited as "The Motor Vehicle Financial Responsibility Law". (L. 1953 p. 569, A.L. 1986 S.B. 424) Effective 7-01-87 (1980) Uninsured motorist statute has no application in cases where tort-feasor did have automobile liability policy which complied with requirements of Motor Vehicle Safety Responsibility Law. Harrison v. MFA Mutual Insurance Co. (Mo.), 607 S.W.2d 137. (1987) This chapter prior to the effective date of section 303.025 has no effect on increasing liability limits of automobile insurance policy according to provision in policy that coverage would be increased beyond limits set in policy where such limits were less than the minimum required to meet a state's financial responsibility laws since this chapter before the enactment of section 303.025 was not compulsory but allowed motorists to avoid financial responsibility until after one accident. Protective Cas. Ins. Co. v. Cook, 734 S.W.2d 898 (Mo.App.E.D.).

Mo. Rev. Stat. § 303.020 Definitions.

303.020. Definitions. — As used in this chapter the following words and phrases shall mean: (1) "Chauffeur" , a person who is employed for the principal purpose of operating a motor vehicle or any person who drives a motor vehicle while in use as a public or common carrier of persons or property for hire; (2) "Director" , director of revenue of the state of Missouri, acting directly or through his authorized officers and agents; (3) "Judgment" , a final judgment by a court of competent jurisdiction of any state or of the United States, upon a claim for relief for damages, including damages for care and loss of services, because of bodily injury to or death of any person, or for damages because of injury to or destruction of property, including the loss of use thereof, or upon a claim for relief on any agreement or settlement for such damages arising out of the ownership, maintenance or use of any motor vehicle; (4) "License" , an operator's or driver's license, temporary instruction permit, chauffeur's or registered operator's license issued under the laws of this state; (5) "Motor vehicle" , a self-propelled vehicle which is designed for use upon a highway, except trailers designed for use with such vehicles, traction engines, road rollers, farm tractors, tractor cranes, power shovels, well drillers, motorized bicycles as defined in section 307.180 , electric bicycles as defined in section 301.010 , and every vehicle which is propelled by electric power obtained from overhead wires but not operated upon rails; (6) "Nonresident" , a person not a resident of the state of Missouri; (7) "Nonresident's operating privilege" , the privilege conferred upon a nonresident by the laws of this state pertaining to the operation by him of a motor vehicle, or the use of a motor vehicle owned by him in this state; (8) "Operator" , a person who is in actual physical control of a motor vehicle; (9) "Owner" , a person who holds the legal title to a motor vehicle; or in the event a motor vehicle is the subject of an agreement for the conditional sale or lease thereof with the right of purchase upon performance of the conditions stated in the agreement and with an immediate right of possession vested in the conditional vendee or lessee, or in the event a mortgagor of a motor vehicle is entitled to possession thereof, then such conditional vendee or lessee or mortgagor; (10) "Proof of financial responsibility" , proof of ability to respond in damages for liability, on account of accidents occurring subsequent to the effective date of said proof, arising out of the ownership, maintenance or use of a motor vehicle, in the amount of twenty-five thousand dollars because of bodily injury to or death of one person in any one accident, and, subject to said limit for one person, in the amount of fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and in the amount of twenty-five thousand dollars because of injury to or destruction of property of others in any one accident; (11) "Registration" , registration certificate or certificates and registration plates issued under the laws of this state pertaining to the registration of motor vehicles; (12) "State" , any state, territory or possession of the United States, the District of Columbia, or any province of the Dominion of Canada; (13) "Street" or "highway" , the entire width between property lines of every way or place of whatever nature when any part thereof is open to the use of the public, as a matter of right, for purposes of vehicular traffic. (L. 1953 p. 569 § 303.010, A.L. 1965 p. 481, A.L. 1980 H.B. 995 & 1051, A.L. 1981 S.B. 201, A.L. 1986 S.B. 424, A.L. 1987 S.B. 114, A.L. 2018 S.B. 708, A.L. 2021 S.B. 176) (2004) Horse-drawn buggy is not a "motor vehicle" as defined in section and thus is not an uninsured motor vehicle within provision of automobile insurance policy. Ferguson v. Gateway Insurance Co., 151 S.W.3d 911 (Mo.App.W.D.).

Mo. Rev. Stat. § 303.022 Applicability of certain state statutes to motor vehicle liability ...

303.022. Applicability of certain state statutes to motor vehicle liability policies, when. — Sections 105.1073 , 303.020 , 303.030 , 303.120 , 303.190 , and 303.240 shall apply to motor vehicle liability policies, as defined in section 303.190 , that are issued or renewed in Missouri on or after July 1, 2019, and to any applicable filing under section 303.240 or subdivision * (2), (3), or (4) of subsection 1 of section 303.160 that goes into effect on or after July 1, 2019. A motor vehicle liability policy in effect prior to July 1, 2019, shall continue to constitute proof of compliance with the provisions of this chapter for the remainder of the term of that policy. (L. 2018 S.B. 708) Effective 7-01-19 *Word "subdivisions" appears in original rolls.

Mo. Rev. Stat. § 303.024 Insurance identification cards issued by insurer, contents - identification ...

303.024. Insurance identification cards issued by insurer, contents — identification cards for self-insured issued by director, contents — exhibition of card to peace officers or commercial vehicle enforcement officers — failure to exhibit, violation of section 303.025. — 1. Each insurer issuing motor vehicle liability policies in this state, or an agent of the insurer, shall furnish an insurance identification card to the named insured for each motor vehicle insured by a motor vehicle liability policy that complies with the requirements of sections 303.010 to 303.050 , 303.060 , 303.140 , 303.220 , 303.290 , 303.330 and 303.370 . Such insurance identification card may be produced in either paper or electronic format. Acceptable electronic forms include display of electronic images on a cellular phone or any other type of portable electronic device. 2. The insurance identification card shall include all of the following information: (1) The name and address of the insurer; (2) The name of the named insured; (3) The policy number; (4) The effective dates of the policy, including month, day and year; (5) A description of the insured motor vehicle, including year and make or at least five digits of the vehicle identification number or the word Fleet if the insurance policy covers five or more motor vehicles; and (6) The statement "THIS CARD MUST BE CARRIED IN THE INSURED MOTOR VEHICLE FOR PRODUCTION UPON DEMAND" prominently displayed on the card. 3. A new insurance identification card shall be issued when the insured motor vehicle is changed, when an additional motor vehicle is insured, and when a new policy number is assigned. A replacement insurance identification card shall be issued at the request of the insured in the event of loss of the original insurance identification card. 4. The director shall furnish each self-insurer, as provided for in section 303.220 , an insurance identification card for each motor vehicle so insured. The insurance identification card shall include all of the following information: (1) Name of the self-insurer; (2) The word self-insured; and (3) The statement "THIS CARD MUST BE CARRIED IN THE SELF-INSURED MOTOR VEHICLE FOR PRODUCTION UPON DEMAND" prominently displayed on the card. 5. An insurance identification card shall be carried in the insured motor vehicle at all times. The operator of an insured motor vehicle shall exhibit the insurance identification card on the demand of any peace officer, commercial vehicle enforcement officer or commercial vehicle inspector who lawfully stops such operator or investigates an accident while that officer or inspector is engaged in the performance of the officer's or inspector's duties. If the operator fails to exhibit an insurance identification card, the officer or inspector shall issue a citation to the operator for a violation of section 303.025 . A motor vehicle liability insurance policy, a motor vehicle liability insurance binder, receipt, or a photocopy or an image displayed on a mobile electronic device which contains the policy information required in subsection 2 of this section shall be satisfactory evidence of insurance in lieu of an insurance identification card. The display of an image of the insurance card on a mobile electronic device shall not serve as consent for such officer, inspector, or other person to access other contents of the mobile electronic device in any manner other than to verify the image of the insurance card. As used in this section, the term "mobile electronic device" means any small handheld computing or communications device that has a display screen with a touch input or a miniature keyboard. Whenever a person presents a mobile electronic device as proof of financial responsibility to any peace officer, commercial vehicle enforcement officer, or commercial vehicle inspector pursuant to this section, that person shall assume all liability for any damage to the mobile electronic device, except for damage willfully or maliciously caused by a peace officer, commercial vehicle enforcement officer, or commercial vehicle inspector. 6. Any person who knowingly or intentionally produces, manufactures, sells, or otherwise distributes a fraudulent document, photocopy, or image displayed on a mobile electronic device intended to serve as an insurance identification card is guilty of a class E felony. Any person who knowingly or intentionally possesses a fraudulent document or photocopy intended to serve as an insurance identification card or knowingly or intentionally uses a fraudulent image displayed on a mobile electronic device is guilty of a class B misdemeanor. (L. 1986 S.B. 424, A.L. 1992 H.B. 1574, A.L. 1997 H.B. 207, A.L. 1998 H.B. 1802, A.L. 1999 S.B. 19, A.L. 2009 H.B. 62 merged with H.B. 577, A.L. 2013 H.B. 322, A.L. 2014 S.B. 491) Effective 1-01-17

Mo. Rev. Stat. § 303.025 Duty to maintain financial responsibility, residents and nonresidents - ...

303.025. Duty to maintain financial responsibility, residents and nonresidents — inoperable or stored vehicles, voluntary suspension of registration — misdemeanor penalty for violations — exception, methods — court to notify department of revenue, additional punishment, right of appeal. — 1. No owner of a motor vehicle registered in this state, or required to be registered in this state, shall operate, register or maintain registration of a motor vehicle, or permit another person to operate such vehicle, unless the owner maintains the financial responsibility which conforms to the requirements of the laws of this state. No nonresident shall operate or permit another person to operate in this state a motor vehicle registered to such nonresident unless the nonresident maintains the financial responsibility which conforms to the requirements of the laws of the nonresident's state of residence. Furthermore, no person shall operate a motor vehicle owned by another with the knowledge that the owner has not maintained financial responsibility unless such person has financial responsibility which covers the person's operation of the other's vehicle; however, no owner or nonresident shall be in violation of this subsection if he or she fails to maintain financial responsibility on a motor vehicle which is inoperable or being stored and not in operation. The director of the department of revenue shall establish by rule a process for voluntary suspension of motor vehicle registration for vehicles which are inoperable or being stored and not in operation. The owner or nonresident shall not further operate the vehicle until the owner or nonresident notifies the department of revenue that the vehicle will be in use, and the department shall reinstate the motor vehicle registration upon receipt of proof of financial responsibility. Owners or nonresidents who operate a motor vehicle during a period of inoperability or storage claimed under this subsection shall be guilty of a class B misdemeanor and may additionally be guilty of a violation of this subsection. Notwithstanding any provision of law to the contrary, the department of revenue may verify motor vehicle financial responsibility as provided by law, but shall not otherwise take legal or administrative action to enforce the requirements of this section unless, in the discretion of the director, the motor vehicle is determined to have been operated in violation of this section, a motor vehicle registration is applied for in violation of this section, or the motor vehicle on two separate occasions thirty days apart is determined to have its registration maintained in violation of this section. The director may prescribe rules and regulations for the implementation of this section. 2. A motor vehicle owner shall maintain the owner's financial responsibility in a manner provided for in section 303.160 , or with a motor vehicle liability policy which conforms to the requirements of the laws of this state. A nonresident motor vehicle owner shall maintain the owner's financial responsibility which conforms to the requirements of the laws of the nonresident's state of residence. 3. Any person who violates this section is guilty of a misdemeanor. Except as otherwise provided in this section, a first violation of this section shall be punishable as a class D misdemeanor. A second or subsequent violation of this section may be punished by imprisonment in the county jail for a term not to exceed fifteen days and shall be punished by a fine not less than two hundred dollars but not to exceed five hundred dollars. Prior pleas of guilty and prior findings of guilty shall be pleaded and proven in the same manner as required by section 558.021 . However, no person shall be found guilty of violating this section if the operator demonstrates to the court that he or she met the financial responsibility requirements of this section at the time the peace officer, commercial vehicle enforcement officer or commercial vehicle inspector wrote the citation. In addition to any other authorized punishment, the court shall notify the director of revenue of any person convicted pursuant to this section and shall do one of the following: (1) Enter an order suspending the driving privilege as of the date of the court order. If the court orders the suspension of the driving privilege, the court shall require the defendant to surrender to it any driver's license then held by such person. The length of the suspension shall be as prescribed in subsection 2 of section 303.042 . The court shall forward to the director of revenue the order of suspension of driving privilege and any license surrendered within ten days; (2) Forward the record of the conviction for an assessment of four points; (3) In lieu of an assessment of points, render an order of supervision as provided in section 302.303 . An order of supervision shall not be used in lieu of points more than one time in any thirty-six-month period. Every court having jurisdiction pursuant to the provisions of this section shall forward a record of conviction to the Missouri state highway patrol, or at the written direction of the Missouri state highway patrol, to the department of revenue, in a manner approved by the director of the department of public safety. The director shall establish procedures for the record keeping and administration of this section; or (4) For a nonresident, suspend the nonresident's driving privileges in this state in accordance with section 303.030 and notify the official in charge of the issuance of licenses and registration certificates in the state in which such nonresident resides in accordance with section 303.080 . 4. Nothing in sections 303.010 to 303.050 , 303.060 , 303.140 , 303.220 , 303.290 , 303.330 and 303.370 shall be construed as prohibiting the department of commerce and insurance from approving or authorizing those exclusions and limitations which are contained in automobile liability insurance policies and the uninsured motorist provisions of automobile liability insurance policies. 5. If a court enters an order of suspension, the offender may appeal such order directly pursuant to chapter 512 and the provisions of section 302.311 shall not apply. 6. Any fines owed to the state pursuant to this section may be eligible for payment in installments. The director shall promulgate rules for the application of payment plans, which shall take into account individuals' ability to pay. (L. 1986 S.B. 424, A.L. 1997 H.B. 207, A.L. 1999 S.B. 19, A.L. 2000 H.B. 1797 merged with H.B. 1948, A.L. 2001 S.B. 267, A.L. 2010 S.B. 583, A.L. 2011 H.B. 111, A.L. 2014 S.B. 491, A.L. 2022 H.B. 2168) Effective 1-01-24, see § 303.039

Mo. Rev. Stat. § 303.026 Director to notify owners who register vehicles, contents - affidavit ...

303.026. Director to notify owners who register vehicles, contents — affidavit certifying financial responsibility required for registration — director may use sampling techniques to verify — insurers required to submit policy information to director, format, use, disclosure — violations by insurer, penalty — notice to owner, when. — 1. The director shall inform each owner who registers a motor vehicle of the following: (1) The existence of the requirement that every motor vehicle owner in the state must maintain his financial responsibility; (2) The requirement that every motor vehicle owner show an insurance identification card, or a copy thereof, or other proof of financial responsibility at the time of vehicle registration; this notice shall be given at least thirty days prior to the month for renewal and shall be shown in bold, colored print; (3) The penalties which apply to violations of the requirement to maintain financial responsibility; (4) The benefits of maintaining coverages in excess of those which are required; (5) The director's authority to conduct samples of Missouri motor vehicle owners to ensure compliance. 2. No motor vehicle owner shall be issued registration for a vehicle unless the owner, or his authorized agent, signs an affidavit provided by the director of revenue at the time of registration of the vehicle certifying that such owner has and will maintain, during the period of registration, financial responsibility with respect to each motor vehicle that is owned, licensed or operated on the streets or highways. The affidavit need not be notarized, but it shall be acknowledged by the person processing the form. The affidavit shall state clearly and in bold print the following: "Any false affidavit is a crime under section 575.050 of Missouri law.". In addition, every motor vehicle owner shall show proof of such financial responsibility by presenting his or her insurance identification card, as described in section 303.024 , or a copy thereof, or some other proof of financial responsibility in the form prescribed by the director of revenue at the time of registration unless such owner registers his vehicle in conjunction with a reciprocity agreement entered into by the Missouri highway reciprocity commission pursuant to sections 301.271 to 301.279 or unless the owner insures the vehicle according to the requirements of the division of motor carrier and railroad safety pursuant to section 390.126 . 3. To ensure compliance with this chapter, the director may utilize a variety of sampling techniques including but not limited to random samples of registrations subject to this section, uniform traffic tickets, insurance information provided to the director at the time of motor vehicle registration, and persons who during the preceding year have received a disposition of court-ordered supervision or suspension. The director may verify the financial responsibility of any person sampled or reported. (1) Beginning January 1, 2001, the director may require such information, as in his or her discretion is necessary to enforce the requirements of subdivision (1) of subsection 1 of this section, to be submitted from the person's insurer or insurance company. When requested by the director of revenue, all licensed insurance companies in this state which sell private passenger (noncommercial) motor vehicle insurance policies shall report information regarding the issuance, nonrenewal and cancellation of such policies to the director, excluding policies issued to owners of fleet or rental vehicles or issued on vehicles that are insured pursuant to a commercial line policy. Such information shall be reported electronically in a format as prescribed by the director of the department of revenue by rule. (2) When required by the director of revenue, each insurance company shall provide to the department a record of each policy issued, cancelled, terminated or revoked during the period since the previous report. The director of revenue may require insurance companies to provide such records as frequently as he or she deems necessary. (3) The director may use reports described in subdivision (1) of this subsection for sampling purposes as provided in this section. 4. Information provided to the department by an insurance company for use in accordance with this section is the property of the insurer and is not subject to disclosure pursuant to chapter 610 . Such information may be utilized by the department for enforcement of this chapter but may not be disclosed except that the department shall disclose whether an individual is maintaining the required insurance coverage upon request of the following individuals and agencies only: (1) The individual; (2) The parent or legal guardian of an individual if the individual is an unemancipated minor; (3) The legal guardian of the individual if the individual is legally incapacitated; (4) Any person who has power of attorney from the individual; (5) Any person who submits a notarized release from the individual that is dated no more than ninety days before the request is made; (6) Any person claiming loss or injury in a motor vehicle accident in which the individual is involved; (7) The office of the state auditor, for the purpose of conducting any audit authorized by law. 5. The director may adopt any rules and regulations necessary to carry out the provisions of subdivisions (1) through (3) of subsection 3 of this section. Any rule or portion of a rule, as that term is defined in section 536.010 , that is created under the authority delegated in this section shall become effective only if it complies with and is subject to all of the provisions of chapter 536 and, if applicable, section 536.028 . This section and chapter 536 are nonseverable and if any of the powers vested with the general assembly pursuant to chapter 536 to review, to delay the effective date or to disapprove and annul a rule are subsequently held unconstitutional, then the grant of rulemaking authority and any rule proposed or adopted after August 28, 2000, shall be invalid and void. 6. Any person or agency who knowingly discloses information received from insurance companies pursuant to this section for any purpose, or to a person, other than those authorized in this section is guilty of a class A misdemeanor. No insurer shall be liable to any person for performing its duties pursuant to this section unless and to the extent the insurer commits a willful and wanton act of omission. 7. The department of revenue shall notify the department of commerce and insurance of any insurer who violates any provisions of this section. The department of commerce and insurance may, against any insurer who knowingly fails to comply with this section, assess an administrative penalty up to five hundred dollars per day of noncompliance. The department of commerce and insurance may excuse the administrative penalty if an assessed insurer provides acceptable proof that such insurer's noncompliance was inadvertent, accidental or the result of excusable neglect. The penalty provisions of this section shall become effective six months after the rule issued pursuant to subsections 3 and 5 of this section is published in the code of state regulations. 8. To verify that financial responsibility is being maintained, the director shall notify the owner or operator of the need to provide, within fifteen days, proof of the existence of the required financial responsibility. The request shall require the owner or the operator to state whether or not the motor vehicle was insured on the verification date stated in the director's request. The request may include but not be limited to a statement of the names and addresses of insurers, policy numbers and expiration date of insurance coverage. Failure to provide such information shall result in the suspension of the registration of the owner's motor vehicle, and where applicable, the owner's or the operator's driving privilege, for failing to meet such requirements, as is provided in this chapter. (L. 1986 S.B. 424, A.L. 1997 H.B. 207, A.L. 1999 S.B. 19, A.L. 2000 H.B. 1797, A.L. 2010 H.B. 1965, A.L. 2020 H.B. 1963) CROSS REFERENCES: Division of motor carrier and railroad safety abolished, duties and functions transferred to highways and transportation commission and department of transportation, 226.008 Highway reciprocity commission abolished, duties and functions transferred to highways and transportation commission, 226.008

Mo. Rev. Stat. § 303.030 Operator's license suspended on failure to give security for payment of ...

303.030. Operator's license suspended on failure to give security for payment of damages after accident, burden of proof for challenging determination — exceptions — insurance accepted. — 1. If within twenty days after the receipt of a report of a motor vehicle accident within this state which has resulted in bodily injury or death, or damage to the property of any one person in excess of five hundred dollars, the director does not have on file evidence satisfactory to him that the person who would otherwise be required to file security under subsection 2 of this section has been released from liability, or has been finally adjudicated not to be liable, or has executed a duly acknowledged written agreement providing for the payment of an agreed amount in installments with respect to all claims for injuries or damages resulting from the accident, the director shall determine the amount of security which shall be sufficient in his judgment to satisfy any judgment for damages resulting from such accident as may be recovered against each operator or owner. Any person challenging the director's determination shall have the burden of proving he or she was not at fault. 2. The director shall, within ninety days after the receipt of such report of a motor vehicle accident, suspend the license of each operator, and all registrations of each owner of a motor vehicle, in any manner involved in such accident, and if such operator is a nonresident the privilege of operating a motor vehicle within this state, and if such owner is a nonresident the privilege of the use within this state of any motor vehicle owned by him, unless such operator or owner or both shall deposit security in the sum so determined by the director; provided notice of such suspension shall be sent by the director to such operator and owner not less than ten days prior to the effective date of such suspension and shall state the amount required as security; provided, however, that the period of suspension provided for in this section shall be in addition to any period of suspension imposed under sections 303.041 and 303.042 . 3. Where erroneous information is given the director with respect to the matters set forth in subdivision (1), (2) or (3) of subsection 4 of this section, he shall take appropriate action as hereinbefore provided, within forty-five days after receipt by him of correct information with respect to said matters. 4. This section shall not apply under the conditions stated in section 303.070 , nor: (1) To such operator or owner if such owner had in effect at the time of such accident an automobile liability policy with respect to the motor vehicle involved in such accident; (2) To such operator, if not the owner of such motor vehicle, if there was in effect at the time of such accident an automobile liability policy or bond with respect to his operation of motor vehicles not owned by him; (3) To such operator or owner if the liability of such operator or owner for damages resulting from such accident is, in the judgment of the director, covered by any other form of liability insurance policy or bond; nor (4) To any person qualifying as a self-insurer under section 303.220 , nor to any person operating a motor vehicle for such self-insurer. 5. No such policy or bond shall be effective under this section unless issued by an insurance company or surety company authorized to do business in this state, except that if such motor vehicle was not registered in this state, or was a motor vehicle which was registered elsewhere than in this state at the effective date of the policy or bond, or the most recent renewal thereof, such policy or bond shall not be effective under this section unless the insurance company or surety company, if not authorized to do business in this state, shall execute a power of attorney authorizing the director to accept service on its behalf of notice or process in any action upon such policy or bond arising out of such accident; provided, however, every such policy or bond is subject, if the accident has resulted in bodily injury or death, to a limit, exclusive of interest and costs, of not less than twenty-five thousand dollars because of bodily injury to or death of one person in any one accident and, subject to said limit for one person, to a limit of not less than fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and, if the accident has resulted in injury to or destruction of property, to a limit of not less than twenty-five thousand dollars because of injury to or destruction of property of others in any one accident. (L. 1953 p. 569 § 303.050 , A.L. 1965 p. 481, A.L. 1969 3d Ex. Sess. H.B. 30, A.L. 1981 S.B. 201, A.L. 1986 S.B. 424, A.L. 1997 H.B. 207, A.L. 2018 S.B. 708) Effective 7-01-19 (1997) Uninsured motorist policy may allow setoff and is allowed only up to statutory minimum. Tatum v. Van Liner Ins. Co. of Fenton, MO, 104 F.3d 223 (8th Cir.).

Mo. Rev. Stat. § 303.039 Effective date for sections 303.025 and 303.041.

303.039. Effective date for sections 303.025 and 303.041. — The repeal and reenactment of sections 303.025 and 303.041 shall take effect on January 1, 2024. (L. 2022 H.B. 2168 § C)

Mo. Rev. Stat. § 303.040 All motor vehicle accidents to be reported - director to notify all other ...

303.040. All motor vehicle accidents to be reported — director to notify all other parties, contents — parties to furnish information — nonresident requirements. — 1. The operator or owner of every motor vehicle which is involved in an accident within this state, including a nonresident operator or owner of a motor vehicle, or the owner of a legally or illegally parked car which is in any manner involved in an accident within this state, with an uninsured motorist, upon the streets or highways thereof, or on any publicly or privately owned parking lot or parking facility generally open for use by the public, in which any person is killed or injured or in which damage to property of any one person, including himself, in excess of five hundred dollars is sustained, and the owner or operator of every motor vehicle which is involved in an accident within this state if such owner or operator does not carry motor vehicle liability insurance shall, within thirty days after such accident, report the matter in writing to the director. Such report, the form of which shall be prescribed by the director, shall provide the operator with notice of the following: (1) That it is the responsibility of the operator, not the state, to bring an action at law on the claim of the operator arising out of the accident; (2) That the security deposited shall only be applied to the payment of a judgment against the person or persons on whose behalf the deposit was made; (3) That the department of revenue shall return the deposit to the depositor after the expiration of one year from the date of the accident, or as otherwise provided in section 303.060 . In addition, the report shall contain such information as will enable the director to determine whether the requirements for the deposit of security under section 303.030 are inapplicable by reason of the existence of insurance or other exceptions specified in this chapter, or whether the required financial responsibility has been met by the owner or operator of the motor vehicle as required by section 303.025 . The director may rely upon the accuracy of such information unless and until he has reason to believe that the information is erroneous. If such operator be physically incapable of making such report, the owner of the motor vehicle involved in such accident shall, within thirty days after learning of the accident, make such report. If the operator is also the owner and is incapable of filing such report as is required by this section, then the report will be filed as soon as the operator-owner is so capable. If the report is late by reason of incapability, a doctor's certificate must accompany the report certifying same. The operator or the owner shall furnish such additional relevant information as the director shall require. 2. If any party involved in an accident files a report under this section, the director shall notify, within ten days after receipt of the report, all other parties involved in the accident as specified in the report that a report has been filed and such other parties shall then furnish, within ten days, the director with such information as the director may request. 3. If any party involved in an accident in this state is a nonresident uninsured motorist, the nonresident uninsured operator or owner of the motor vehicle and any law enforcement agency responding to such accident shall report the involvement of an uninsured nonresident motorist in an accident occurring in this state to the director, and any resident operator or owner of a motor vehicle involved in an accident with an uninsured nonresident motorist may report such accident to the director in accordance with the provisions of subsections 1 and 2 of this section. (L. 1953 p. 569, A.L. 1976 H.B. 1392, A.L. 1979 H.B. 167, A.L. 1986 S.B. 424, A.L. 2010 S.B. 583)

Mo. Rev. Stat. § 303.041 Failure to maintain financial responsibility - notice, procedure, contents ...

303.041. Failure to maintain financial responsibility — notice, procedure, contents — suspension of license and registration — request for hearing, right, effect — subsequent acquisition of financial responsibility, effect — duration of suspension, fee. — 1. If the director determines that the owner or operator of a motor vehicle has not maintained the financial responsibility as required in this chapter, the director shall thirty-three days after mailing notice, suspend the driving privilege of the owner or operator and/or the registration of the vehicle failing to meet such requirement. The notice of suspension shall be mailed to the person at the last known address shown on the department's records. The notice of suspension is deemed received three days after mailing. The notice of suspension shall clearly specify the reason and statutory grounds for the suspension and the effective date of the suspension, the right of the person to request a hearing, the procedure for requesting a hearing, and the date by which that request for a hearing must be made. If the request for a hearing is received by the department prior to the effective date of the suspension, the effective date of the suspension will be stayed until a final order is issued following the hearing. 2. Except as otherwise provided by law, neither the fact that subsequent to the date of verification or conviction, the owner acquired the required liability insurance policy nor the fact that the owner terminated ownership of the motor vehicle, shall have any bearing upon the director's decision to suspend. Until it is terminated, the suspension shall remain in force after the registration is renewed or a new registration is acquired for the motor vehicle. The suspension also shall apply to any motor vehicle to which the owner transfers the registration. Effective January 1, 2000, the department shall not extend any suspension for failure to pay a delinquent late surrender fee pursuant to this subsection. (L. 1986 S.B. 424, A.L. 1999 S.B. 19, A.L. 2000 H.B. 1797, A.L. 2001 S.B. 267, A.L. 2022 H.B. 2168) Effective 1-01-24, see § 303.039

Mo. Rev. Stat. § 303.042 Suspension, effective when - length of suspension, factors considered - ...

303.042. Suspension, effective when — length of suspension, factors considered — false submission of proof of insurance, suspension, duration, fee. — 1. The suspension shall become effective thirty days after the subject person is deemed to have received the notice of suspension by ordinary mail as provided in section 303.041 . 2. The period of suspension under this section shall be as follows: (1) If the person's record shows no prior violation, the director shall terminate the suspension upon payment of a reinstatement fee of twenty dollars and submission of proof of insurance as prescribed in section 303.026 or some other form of proof of insurance as prescribed by the director; (2) If the person's record shows one prior violation within the immediately preceding two years, the director shall terminate the suspension ninety days after its effective date upon payment of a reinstatement fee of two hundred dollars and submission of proof of insurance as prescribed in section 303.026 or some other form of proof of insurance as prescribed by the director; (3) If the person's record shows two or more prior violations, the period of suspension shall terminate one year after its effective date upon payment of a reinstatement fee of four hundred dollars and submission of proof of insurance as prescribed in section 303.026 or some other form of proof of insurance as prescribed by the director. 3. In the event that proof of insurance required by this section has not been filed with the department of revenue in accordance with this chapter prior to the end of the period of suspension provided in this section, such period of suspension shall be extended until such proof of insurance as prescribed by the director has been filed. In no event shall filing proof of insurance as prescribed by the director reduce any period of suspension. 4. If the director determines that the proof of insurance submitted by a motor vehicle owner or operator pursuant to this chapter is false, the director shall suspend the owner's vehicle registration and operator's driving privilege. The director shall terminate the suspension one year after the effective date upon payment by the owner or operator of a reinstatement fee of one hundred fifty dollars and submission of proof of insurance as prescribed in section 303.026 or some other form of proof of insurance as prescribed by the director. 5. In all cases involving a suspension as provided in this section, the director shall not require an individual to file a certificate of insurance as provided in section 303.170 or section 303.180 or some other form of high-risk insurance in order to terminate the suspension, excluding cases involving a motor vehicle accident where one or more parties involved in the accident were uninsured. (L. 1986 S.B. 424, A.L. 1999 S.B. 19, A.L. 2000 H.B. 1797) Effective 3-01-01 (2007) Legislature did not intend for there to be a knowledge element regarding submission of a false insurance card; liability for such submission is strict liability. Hudson v. Director of Revenue, State of Missouri, 216 S.W.3d 216 (Mo.App.W.D.).

Mo. Rev. Stat. § 303.044 Proof of financial responsibility required for reregistration.

303.044. Proof of financial responsibility required for reregistration. — After the period of suspension provided in section 303.042 has elapsed, the owner or operator, or both, whose license or registration has been suspended must file proof of insurance as prescribed in section 303.026 or some other proof of insurance as prescribed by the director for a period of three years thereafter with respect to all motor vehicles registered to him. If proof of insurance is not maintained during the three-year period to the satisfaction of the director, he shall again suspend the license and all registrations until the owner or operator shall thereafter maintain proof of insurance as set out herein. In no case shall the director require the person whose license or registration has been suspended pursuant to this section to file a certificate of insurance as prescribed by section 303.170 or section 303.180 or some other form of high-risk insurance, excluding cases involving a motor vehicle accident where one or more parties involved in the accident were uninsured. (L. 1986 S.B. 424, A.L. 2000 H.B. 1797) Effective 3-01-01

Mo. Rev. Stat. § 303.045 Records, where kept - destroyed, when.

303.045. Records, where kept — destroyed, when. — The director of revenue shall keep all records filed under the provisions of sections 303.040 , 303.100 , and 303.150 , in his custody at the City of Jefferson. All records and files pertaining to reports of accidents, unsatisfied judgments, and suspensions or revocations of license as the result of convictions may be destroyed, provided they have been finally closed by the director for a period of one year. (L. 1957 p. 627 § 303.041, A.L. 1961 p. 494)

Mo. Rev. Stat. § 303.050 Security, form and amount - reduced, when.

303.050. Security, form and amount — reduced, when. — 1. The security required under this chapter shall be in such form and in such amount as the director may require but in no case in excess of the limits specified in section 303.030 in reference to the acceptable limits of a policy or bond. The person depositing security shall specify in writing the person or persons on whose behalf the deposit is made and, at any time while such deposit is in the custody of the director or state treasurer, the person depositing it may, in writing, amend the specification of the person or persons on whose behalf the deposit is made to include an additional person or persons; provided, however, that a single deposit of security shall be applicable only on behalf of persons required to furnish security because of the same accident. 2. The director may reduce the amount of security ordered in any case within one year after the date security was first required if, in his judgment, the amount ordered is excessive. In case the security originally ordered has been deposited, the excess deposited over the reduced amount ordered shall be returned to the depositor or his personal representative forthwith, notwithstanding the provisions of section 303.060 . (L. 1953 p. 569 § 303.090, A.L. 1986 S.B. 424) Effective 7-01-87

Mo. Rev. Stat. § 303.051 Judgment-creditor entitled to notice of security held.

303.051. Judgment-creditor entitled to notice of security held. — When a judgment is rendered and is secured as provided by this chapter, the director shall provide the judgment-creditor with information describing the form and amount of the security the judgment-debtor has deposited with the director. (L. 1957 p. 634)

Mo. Rev. Stat. § 303.060 Security deposited with director of revenue - used to pay judgment - return.

303.060. Security deposited with director of revenue — used to pay judgment — return. — 1. Security deposited in compliance with the requirements of this chapter shall be deposited with the director of revenue, and shall be applicable only to the payment of a judgment or judgments rendered against the person or persons on whose behalf the deposit was made, for damages arising out of the accident in question in an action at law, begun not later than one year after the date of such accident, or within one year after the date of deposit of any security under subdivision (3) of section 303.140 , or to the payment in settlement, agreed to by the depositor, of a claim or claims arising out of such accident. 2. The deposit or balance thereof shall be returned to the depositor, his personal representative, or an assignee when evidence satisfactory to the director has been filed with him that there has been a release from liability, or a final adjudication of nonliability, or a duly acknowledged agreement, in accordance with subdivision (3) of section 303.070 , or whenever, after the expiration of one year from the date of the accident, or from the date of any security required under subdivision (3) of section 303.140 , the director shall be given reasonable evidence that there is no such action pending and no judgment rendered in such action left unpaid. (L. 1953 p. 569 § 303.100, A.L. 1957 p. 634, A.L. 1986 S.B. 424) Effective 7-01-87

Mo. Rev. Stat. § 303.070 Operator not subject to security and suspension provisions, when.

303.070. Operator not subject to security and suspension provisions, when. — The requirements as to security and suspension in section 303.030 shall not apply: (1) To the operator or the owner of a motor vehicle involved in an accident wherein no injury or damage was caused to the person or property of anyone other than such operator or owner; (2) To the owner of a motor vehicle if at the time of the accident the vehicle was being operated without his permission, express or implied, or was parked by a person who had been operating such motor vehicle without such permission; nor (3) If, prior to the date that the director would otherwise suspend the license and registration or nonresident's operating privilege under section 303.030 , there shall be filed with the director evidence satisfactory to him that the person who would otherwise be required to file security has been released from liability or been finally adjudicated not to be liable or has executed a duly acknowledged written agreement providing for the payment of an agreed amount in installments, with respect to all claims for injuries or damages resulting from the accident. (L. 1953 p. 569 § 303.060, A.L. 1976 H.B. 1392) (1963) Plaintiff in this action was driving a state-owned car and had no liability insurance coverage. In order to avoid loss of his operator's license under this section he obtained a release on the form provided by the department of revenue from defendants in this action. Held that under certain circumstances a person obtaining a release from the other party is estopped to assert a cause of action against that party. Eberting v. Skinner (A.), 364 S.W.2d 829. (1963) Release estopped from suing releasor for damages arising out of motor vehicle collision. Farmer v. Arnold (Mo.), 371 S.W.2d 265.

Mo. Rev. Stat. § 303.080 Where operator has no license or is nonresident, procedure.

303.080. Where operator has no license or is nonresident, procedure. — 1. In case the operator or the owner of a motor vehicle involved in an accident within this state has no license or registration, or is a nonresident, he shall not be allowed a license or registration until he has complied with the requirements of this chapter to the same extent that would be necessary if, at the time of the accident, he had held a license and registration. 2. When a nonresident's operating privilege is suspended pursuant to section 303.030 or section 303.140 , the director shall transmit a certified copy of the record of such action to the official in charge of the issuance of licenses and registration certificates in the state in which such nonresident resides, if the law of such other state provides for action in relation thereto similar to that provided for in subsection 3 of this section. 3. Upon receipt of such certification that the operating privilege of a resident of this state has been suspended or revoked in any such other state pursuant to a law providing for its suspension or revocation for failure to deposit security for the payment of judgments arising out of a motor vehicle accident, under circumstances which would require the director to suspend a nonresident's operating privilege had the accident occurred in this state, the director shall suspend the license of such resident if he was the operator, and all of his registrations if he was the owner of a motor vehicle involved in such accident. Such suspension shall continue until such resident furnishes evidence of his compliance with the law of such other state relating to the deposit of such security. (L. 1953 p. 569)

Mo. Rev. Stat. § 303.090 Report of failure to satisfy judgment - procedure as to nonresident.

303.090. Report of failure to satisfy judgment — procedure as to nonresident. — 1. Whenever any person fails within sixty days to satisfy any final judgment in amounts and upon a cause of action as herein stated, it shall be the duty of the clerk of the court, or of the judge of a court which has no clerk, in which any such judgment is rendered within this state, to forward to the director immediately after the expiration of said sixty days, a certified copy of such judgment. 2. If the defendant named in any certified copy of a judgment reported to the director is a nonresident, the director shall immediately transmit a certified copy of the judgment to the official in charge of the issuance of licenses and registration certificates of the state of which the defendant is a resident. (L. 1953 p. 569 § 303.120)

Mo. Rev. Stat. § 303.100 License suspended on receipt of judgment - creditor may consent to ...

303.100. License suspended on receipt of judgment — creditor may consent to allowance of license. — 1. The director, upon the receipt of a certified copy of a judgment, shall forthwith suspend the license and registration and any nonresident's operating privilege of any person against whom such judgment was rendered, except as hereinafter otherwise provided in this section and in section 303.130 . 2. If the judgment-creditor consents in writing, in such form as the director may prescribe, that the judgment-debtor be allowed license and registration or nonresident's operating privilege, the same may be allowed by the director, in his discretion, for six months from the date of such consent and thereafter until such consent is revoked in writing notwithstanding default in the payment of such judgment, or of any installments thereof prescribed in section 303.130 provided the judgment-debtor furnishes proof of financial responsibility. (L. 1953 p. 569 § 303.130)

Mo. Rev. Stat. § 303.110 Suspension not lifted or license renewed, when - effect of bankruptcy.

303.110. Suspension not lifted or license renewed, when — effect of bankruptcy. — Such license, registration and nonresident's operating privilege shall remain so suspended and shall not be renewed, nor shall any such license or registration be thereafter issued in the name of such person, including any such person not previously licensed, unless and until every such final judgment is stayed, satisfied in full or to the extent hereinafter provided and until the said person gives proof of financial responsibility subject to the exemptions stated in sections 303.100 and 303.130 . A discharge in bankruptcy following the rendering of any such judgment shall not relieve the judgment-debtor from any of the requirements of this chapter. (L. 1953 p. 569 § 303.140)

Mo. Rev. Stat. § 303.120 Judgments deemed satisfied, when.

303.120. Judgments deemed satisfied, when. — 1. Judgments herein referred to shall, for the purpose of this chapter only, be deemed satisfied: (1) When twenty-five thousand dollars has been credited upon any judgment or judgments rendered in excess of that amount because of bodily injury to or death of one person as the result of any one accident; or (2) When, subject to such limit of twenty-five thousand dollars because of bodily injury to or death of one person, the sum of fifty thousand dollars has been credited upon any judgment or judgments rendered in excess of that amount because of bodily injury to or death of two or more persons as the result of any one accident; or (3) When twenty-five thousand dollars has been credited upon any judgment or judgments rendered in excess of that amount because of injury to or destruction of property of others as a result of any one accident. 2. Payments made in settlement of any claims because of bodily injury, death or property damage arising from a motor vehicle accident shall be credited in reduction of the amounts provided for in this section. (L. 1953 p. 569 § 303.150 , A.L. 1965 p. 481, A.L. 1981 S.B. 201, A.L. 2018 S.B. 708) Effective 7-01-19

Mo. Rev. Stat. § 303.130 License continued on order allowing installment payment of judgment, when.

303.130. License continued on order allowing installment payment of judgment, when. — 1. A judgment-debtor upon due notice to the judgment-creditor may apply to the court in which such judgment was rendered for the privilege of paying such judgment in installments and the court, in its discretion and without prejudice to any other legal remedies which the judgment-creditor may have, may so order and fix the amounts and times of payment of the installments. 2. The director shall not suspend a license, registration or a nonresident's operating privilege, and shall restore any license, registration or nonresident's operating privilege suspended following nonpayment of a judgment, when the judgment-debtor gives proof of financial responsibility and obtains such an order permitting the payment of such judgment in installments, and while the payment of any said installment is not in default. 3. In the event the judgment-debtor fails to pay any installment as specified by such order, then upon notice of such default, the director shall forthwith suspend the license, registration or nonresident's operating privilege of the judgment-debtor until such judgment is satisfied, as provided in this chapter. (L. 1953 p. 569 § 303.160)

Mo. Rev. Stat. § 303.140 License suspension lifted, when.

303.140. License suspension lifted, when. — The license and registration and nonresident's operating privilege suspended as provided in section 303.030 shall remain suspended and shall not be renewed nor shall a license or registration be issued to the person until: (1) The person deposits, or there is deposited on his behalf, the security required under section 303.030 ; or (2) One year has elapsed following the date of the suspension, and no claimant has filed notice, supported by a copy of the petition bearing the court file number, that he has commenced an action in a court of record, begun not later than one year after the date of such accident, arising out of the accident on which the suspension is based; or (3) Evidence satisfactory to the director is filed with him of a release from liability, or a final adjudication of nonliability, or a duly acknowledged written agreement, in accordance with subdivision (3) of section 303.070 ; but if there is any default in the payment of any installment under any duly acknowledged written agreement, then, upon notice of the default, the director shall forthwith suspend the license and registration or nonresident's operating privilege of the person defaulting which shall not be restored unless and until: (a) The person deposits and thereafter maintains security as required under section 303.030 in the amount that the director then determines; or (b) One year has elapsed following the date when the security was required and during that period no action upon the agreement has been instituted in a court of this state. (L. 1953 p. 569 § 303.070, A.L. 1961 p. 494, A.L. 1965 p. 95, A.L. 1986 S.B. 424) Effective 7-01-87

Mo. Rev. Stat. § 303.150 Vehicle registration suspended on suspension of license for conviction or ...

303.150. Vehicle registration suspended on suspension of license for conviction or bail forfeiture — proof required for reregistration. — 1. Whenever the director, under any law of this state, suspends or revokes the license of any person upon receiving record of a conviction or a forfeiture of bail, the director shall also suspend the registration for all motor vehicles registered in the name of such person, except that he shall not suspend such registration, unless otherwise required by law, if such person has previously given or shall immediately give and thereafter maintain proof of financial responsibility with respect to all motor vehicles registered by such person. 2. Such license and registration shall remain suspended or revoked and shall not at any time thereafter be renewed, nor shall any license be thereafter issued to such person, nor shall any motor vehicle be thereafter registered in the name of such person, until permitted under the motor vehicle laws of this state, and not then unless and until he shall give and thereafter maintain proof of financial responsibility. 3. If a person is not licensed, but by final order or judgment is convicted of or forfeits any bail or collateral deposited to secure an appearance for trial for any offense requiring the suspension or revocation of license, or for operating a motor vehicle upon the highways without being licensed to do so, or for operating an unregistered motor vehicle upon the highways, no license shall be thereafter issued to such person and no motor vehicle shall continue to be registered or thereafter be registered in the name of such person, until he shall give and thereafter maintain proof of financial responsibility. 4. Whenever the director suspends or revokes a nonresident's operating privilege by reason of a conviction or forfeiture of bail, such privilege shall remain so suspended or revoked unless such person shall have previously given or shall immediately give and thereafter maintain proof of financial responsibility. (L. 1953 p. 569 § 303.170)

Mo. Rev. Stat. § 303.160 Proof of financial responsibility, how given.

303.160. Proof of financial responsibility, how given. — 1. Proof of financial responsibility when required under this chapter with respect to a motor vehicle or with respect to a person who is not the owner of a motor vehicle may be given by filing: (1) A certificate of insurance as provided in section 303.170 or section 303.180 ; or (2) A bond as provided in section 303.230 ; or (3) A certificate of deposit of money or securities as provided in section 303.240 ; or (4) A certificate of self-insurance, as provided in section 303.220 , supplemented by an agreement by the self-insurer that, with respect to accidents occurring while the certificate is in force, he will pay the same judgments and in the same amounts that an insurer would have been obligated to pay under an owner's motor vehicle liability policy if it had issued such a policy to said self-insurer. 2. No motor vehicle shall be or continue to be registered in the name of any person required to file proof of financial responsibility unless such proof shall be furnished for such motor vehicle. (L. 1953 p. 569 § 303.180, A.L. 1961 p. 463) (1974) A certificate of self-insurance is not a policy of insurance so as to make holder liable in the same manner as "other valid and collectible insurance". American Family Ins. Co. v. Missouri Power and Light Co. (Mo.), 517 S.W.2d 110.

Mo. Rev. Stat. § 303.170 Proof of responsibility by insurance certificate.

303.170. Proof of responsibility by insurance certificate. — 1. Proof of financial responsibility may be furnished by filing with the director the written certificate of any insurance carrier duly authorized to do business in this state certifying that there is in effect a motor vehicle liability policy for the benefit of the person required to furnish proof of financial responsibility. Such certificate shall give the effective date of such motor vehicle liability policy, which date shall be the same as the effective date of the certificate, and shall designate by explicit description or by appropriate reference all motor vehicles covered thereby, unless the policy is issued to a person who is not the owner of a motor vehicle. 2. No motor vehicle shall be or continue to be registered in the name of any person required to file proof of financial responsibility unless such motor vehicle is so designated in such a certificate. (L. 1953 p. 569 § 303.190)

Mo. Rev. Stat. § 303.175 Motor vehicle liability policy, minimum term, exceptions.

303.175. Motor vehicle liability policy, minimum term, exceptions. — Every private passenger motor vehicle liability policy issued to meet the requirements of this chapter shall have a minimum term of three months. Each policy payment collected by the insurer shall be sufficient to pay for at least one month's coverage under the policy, except that this restriction shall not apply to payments on policies made by way of payroll deductions. This section shall not be construed to interfere with the cancellation and renewal provisions of sections 379.110 to 379.120 nor shall it apply to any fleet, rental, group or commercial motor vehicle policy. (L. 1999 S.B. 19) Effective 1-01-00

Mo. Rev. Stat. § 303.178 Display of false evidence of insurance, penalty, confiscation of false ...

303.178. Display of false evidence of insurance, penalty, confiscation of false evidence, misdemeanor. — No person shall display evidence of insurance to a law enforcement officer knowing there is no valid liability insurance in effect on the motor vehicle as required pursuant to this chapter, or knowing the evidence of insurance is illegally altered, counterfeit or otherwise invalid as evidence of insurance. If the law enforcement officer issues a citation to a motor vehicle operator for displaying invalid evidence of insurance, the officer shall confiscate the evidence for presentation in court. Any person convicted of violating this section is guilty of a class A misdemeanor. (L. 1999 S.B. 19) Effective 1-01-00

Mo. Rev. Stat. § 303.179 Alteration, production or sale of invalid insurance card, misdemeanor.

303.179. Alteration, production or sale of invalid insurance card, misdemeanor. — No person shall alter an invalid insurance card to make it appear valid. No person knowingly shall make, sell or otherwise make available an invalid or counterfeit insurance card. Any person who violates this section is guilty of a class A misdemeanor. (L. 1999 S.B. 19) Effective 1-01-00

Mo. Rev. Stat. § 303.180 Proof of responsibility by nonresident by insurance certificate, accepted when.

303.180. Proof of responsibility by nonresident by insurance certificate, accepted when. — 1. The nonresident owner of a motor vehicle not registered in this state may give proof of financial responsibility by filing with the director a written certificate or certificates of an insurance carrier authorized to transact business in the state in which the motor vehicle or motor vehicle described in such certificate is registered, or if such nonresident does not own a motor vehicle, then in the state in which the insured resides, provided such certificate otherwise conforms to the provisions of this chapter, and the director shall accept the same upon condition that said insurance carrier complies with the following provisions with respect to the policies so certified: (1) Said insurance carrier shall execute a power of attorney authorizing the director to accept service on its behalf of notice or process in any action arising out of a motor vehicle accident in this state; and (2) Said insurance carrier shall agree in writing that such policies shall be deemed to conform with the laws of this state relating to the terms of motor vehicle liability policies issued herein. 2. If any insurance carrier not authorized to transact business in this state, which has qualified to furnish proof of financial responsibility, defaults in any said undertakings or agreements, the director shall not thereafter accept as proof any certificate of said carrier whether theretofore filed or thereafter tendered as proof, so long as such default continues. (L. 1953 p. 569 § 303.200)

Mo. Rev. Stat. § 303.190 Motor vehicle liability policy, contents.

303.190. Motor vehicle liability policy, contents. — 1. A "motor vehicle liability policy" as said term is used in this chapter shall mean an owner's or an operator's policy of liability insurance, certified as provided in section 303.170 or section 303.180 as proof of financial responsibility, and issued, except as otherwise provided in section 303.180 by an insurance carrier duly authorized to transact business in this state, to or for the benefit of the person named therein as insured. 2. Such owner's policy of liability insurance: (1) Shall designate by explicit description or by appropriate reference all motor vehicles with respect to which coverage is thereby to be granted; (2) Shall insure the person named therein and any other person, as insured, using any such motor vehicle or motor vehicles with the express or implied permission of such named insured, against loss from the liability imposed by law for damages arising out of the ownership, maintenance or use of such motor vehicle or motor vehicles within the United States of America or the Dominion of Canada, subject to limits, exclusive of interest and costs, with respect to each such motor vehicle, as follows: twenty-five thousand dollars because of bodily injury to or death of one person in any one accident and, subject to said limit for one person, fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and twenty-five thousand dollars because of injury to or destruction of property of others in any one accident; and (3) May exclude coverage against loss from liability imposed by law for damages arising out of the use of such motor vehicles by a member of the named insured's household who is a specifically excluded driver in the policy. 3. Such operator's policy of liability insurance shall insure the person named as insured therein against loss from the liability imposed upon him or her by law for damages arising out of the use by him or her of any motor vehicle not owned by him or her, within the said territorial limits and subject to the same limits of liability as are set forth above with respect to any owner's policy of liability insurance. 4. Such motor vehicle liability policy shall state the name and address of the named insured, the coverage afforded by the policy, the premium charged therefor, the policy period and the limits of liability, and shall contain an agreement or be endorsed that insurance is provided thereunder in accordance with the coverage defined in this chapter as respects bodily injury and death or property damage, or both, and is subject to all the provisions of this chapter. 5. Such motor vehicle liability policy need not insure any liability pursuant to any workers' compensation law nor any liability on account of bodily injury to or death of an employee of the insured while engaged in the employment, other than domestic, of the insured, or while engaged in the operation, maintenance or repair of any such motor vehicle nor any liability for damage to property owned by, rented to, in charge of or transported by the insured. 6. Every motor vehicle liability policy shall be subject to the following provisions which need not be contained therein: (1) The liability of the insurance carrier with respect to the insurance required by this chapter shall become absolute whenever injury or damage covered by said motor vehicle liability policy occurs; said policy may not be cancelled or annulled as to such liability by any agreement between the insurance carrier and the insured after the occurrence of the injury or damage; no statement made by the insured or on his or her behalf and no violation of said policy shall defeat or void said policy; (2) The satisfaction by the insured of a judgment for such injury or damage shall not be a condition precedent to the right or duty of the insurance carrier to make payment on account of such injury or damage; (3) The insurance carrier shall have the right to settle any claim covered by the policy, and if such settlement is made in good faith, the amount thereof shall be deductible from the limits of liability specified in subdivision (2) of subsection 2 of this section; (4) The policy, the written application thereof, if any, and any rider or endorsement which does not conflict with the provisions of this chapter shall constitute the entire contract between the parties. 7. Any policy which grants the coverage required for a motor vehicle liability policy may also grant any lawful coverage in excess of or in addition to the coverage specified for a motor vehicle liability policy and such excess or additional coverage shall not be subject to the provisions of this chapter. With respect to a policy which grants such excess or additional coverage the term "motor vehicle liability policy" shall apply only to that part of the coverage which is required by this section. 8. Any motor vehicle liability policy may provide that the insured shall reimburse the insurance carrier for any payment the insurance carrier would not have been obligated to make under the terms of the policy except for the provisions of this chapter. 9. Any motor vehicle liability policy may provide for the prorating of the insurance thereunder with other valid and collectible insurance. 10. The requirements of a motor vehicle liability policy may be fulfilled by the policies of one or more insurance carriers which policies together meet such requirements. 11. Any binder issued pending the issuance of a motor vehicle liability policy shall be deemed to fulfill the requirement for such a policy. (L. 1953 p. 569 § 303.210 , A.L. 1965 p. 481, A.L. 1981 S.B. 201, A.L. 1999 S.B. 19, A.L. 2018 S.B. 708) Effective 7-01-19 CROSS REFERENCE: Uninsured motorist liability insurance, 379.201 , 379.203 (1991) Section expresses the public policy of Missouri. A clause which excludes coverage for member of immediate family in automobile insurance policy denies coverage for liability which the law recognizes; therefore, family exclusion clause is void as against the public policy of Missouri. State Farm Mutual Automobile Insurance Co. v. Monday, 847 S.W.2d 468 (Mo. App. W.D.) (2000) When multiple liability policies are in place and each contains a household exclusion clause, section does not restrict minimum liability payments to single policy. American Standard Insurance Company v. Hargrave, 34 S.W.3d 88 (Mo. banc).

Mo. Rev. Stat. § 303.200 Missouri automobile insurance plan for persons unable to procure insurance ...

303.200. Missouri automobile insurance plan for persons unable to procure insurance by ordinary means — approval, participation by companies — function — plan of operation — liability limitations. — 1. After consultation with insurance companies having a certificate of authority to do business in this state and actively writing motor vehicle liability policies, the director of the department of commerce and insurance, hereinafter referred to as the director, shall approve a reasonable plan to provide motor vehicle insurance policies to and for applicants who are in good faith entitled to but are unable to procure such policies through ordinary methods. The plan shall be known as the "Missouri Automobile Insurance Plan", hereinafter referred to as the plan. When any such plan has been approved, all such insurance companies shall subscribe thereto and participate therein. Any applicant for a policy under the plan, any person insured under the plan, and any insurance company affected may appeal to the director from any ruling or decision of the plan. Any person aggrieved hereunder by any order or act of the director may, within ten days after notice thereof, file a petition in the circuit court of the county of Cole for a review thereof. The court shall summarily hear the petition and may make any appropriate order or decree. 2. The plan shall perform its functions under a plan of operation and through a governing committee as prescribed in the plan of operation. Any plan of operation, prior to being placed in and taking effect, shall be filed with and approved by the director. Any amendments to the plan of operation so adopted shall also be filed with and approved by the director prior to being placed in and taking effect. 3. The plan of operation shall prescribe the issuance of motor vehicle insurance policies by the plan, which may include the administration of such policies by: (1) A third-party administrator that has a certificate of authority to do business in this state; (2) A nationally recognized management organization and service provider that specializes in the administration of motor vehicle insurance residual market mechanisms, subject to the approval of the director; or (3) An insurance company that has a certificate of authority to do business in this state. 4. Every * form of a policy, endorsement, rider, manual of classifications, rules, and/or rates; every * rating plan; and every ** modification of any of them proposed to be used by the plan shall be *** approved by the director prior to use *** . 5. Any policy of insurance issued by the plan shall conform to the provisions of this chapter and any insurance law of this state applicable to motor vehicle insurance policies, except for any law that specifically exempts the plan from the purview of the law. 6. The plan shall: (1) File annual audited financial reports for the preceding year with the director no later than June thirtieth of each year; (2) Be subject to examination by the director under sections 374.205 to 374.207 ; and (3) Have the authority to make assessments on member insurance companies if the funds from policyholder premiums and other revenues are not sufficient for the sound operation of the plan. An assessment upon a member insurance company shall be in the same proportion to its share of the voluntary market premium for the type of policies written under the plan. The procedures for levying assessment shall be prescribed in the plan of operation. 7. There shall be no liability imposed on the part of, and no cause of action of any nature shall arise against, any member insurer or any member of the governing committee for any omission or action taken by them in the performance of their powers and duties under this section. (L. 1953 p. 569 § 303.350, A.L. 2012 H.B. 1402 merged with S.B. 470 merged with S.B. 480, A.L. 2013 H.B. 322, A.L. 2020 H.B. 1963 merged with S.B. 551) *Word "No" appears in original rolls of H.B. 1963, 2020. **Words "nor any" appear in original rolls of H.B. 1963, 2020. ***...***Words "used prior to approval by the director" appear in original rolls of H.B. 1963, 2020.

Mo. Rev. Stat. § 303.210 Notice of cancellation of insurance to be given director.

303.210. Notice of cancellation of insurance to be given director. — When an insurance carrier has certified a motor vehicle liability policy under section 303.170 or a policy under section 303.180 , the insurance so certified shall not be cancelled or terminated until at least ten days after a notice of cancellation or termination of the insurance so certified shall be filed in the office of the director of revenue, except that such policy subsequently procured and certified shall, on the effective date of its certification, terminate the insurance previously certified with respect to any motor vehicle designated in both certificates. (L. 1953 p. 569 § 303.220)

Mo. Rev. Stat. § 303.220 Certificate of self-insurance - cancelled, when.

303.220. Certificate of self-insurance — cancelled, when. — 1. Any religious denomination which has more than twenty-five members with motor vehicles and discourages its members from purchasing insurance, of any form, as being contrary to its religious tenets, may qualify as a self-insurer by obtaining a self-insurance certificate issued by the director as provided in subsection 3 of this section. 2. Any person in whose name more than twenty-five motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the director as provided in subsection 3 of this section. 3. The director may, in his discretion, upon the application of any religious denomination or person described in subsection 1 or 2 of this section, issue a certificate of self-insurance when he is satisfied that such religious denomination or person is possessed and will continue to be possessed of the ability to pay judgments obtained against such religious denomination or person. 4. Upon not less than ten days' notice and a hearing pursuant to such notice, the director may, upon reasonable grounds, cancel a certificate of self-insurance. Failure to pay any judgment within thirty days after such judgment shall have become final shall constitute a reasonable ground for the cancellation of a certificate of self-insurance. (L. 1953 p. 569 § 303.340, A.L. 1986 S.B. 424, A.L. 2021 H.B. 604 merged with S.B. 6)

Mo. Rev. Stat. § 303.230 Surety bond as proof of responsibility.

303.230. Surety bond as proof of responsibility. — 1. Proof of financial responsibility may be furnished by filing with the director the bond of a surety company duly authorized to transact business in this state, or a bond with at least two individual sureties each owning real estate within this state, and together having equities equal in value to at least twice the amount of such bond, which real estate shall be scheduled in the bond approved by the judge of the circuit court of the county or city in which such real estate is situate. Such bond shall be conditioned for payments in amounts and under the same circumstances as would be required in a motor vehicle liability policy, and shall not be cancelled except after ten days' written notice to the director. 2. If such judgment, rendered against the principal on such bond, shall not be satisfied within sixty days after it has become final, the judgment creditor may, for his own use and benefit and at his sole expense, bring an action or actions in the name of the state against the company or persons executing such bond. (L. 1953 p. 569 § 303.240)

Mo. Rev. Stat. § 303.240 Cash deposit as proof of responsibility.

303.240. Cash deposit as proof of responsibility. — 1. Proof of financial responsibility may be evidenced by the certificate of the state treasurer that the person named therein has deposited with him seventy-five thousand dollars in cash, or securities such as may legally be purchased by savings banks or for trust funds of a market value of seventy-five thousand dollars. The state treasurer shall not accept any such deposit and issue a certificate therefor and the director shall not accept such certificate unless accompanied by evidence that there are no unsatisfied judgments of any character against the depositor in the county where the depositor resides. 2. Such deposit shall be held by the state treasurer to satisfy, in accordance with the provisions of this chapter, any execution on a judgment issued against such person making the deposit, for damages, including damages for care and loss of services because of bodily injury to or death of any person, or for damages because of injury to or destruction of property, including the loss of use thereof, resulting from the ownership, maintenance, use or operation of a motor vehicle after such deposit was made. Money or securities so deposited shall not be subject to attachment or execution unless such attachment or execution shall arise out of a suit for damages as aforesaid. (L. 1953 p. 569 § 303.250 , A.L. 1965 p. 481, A.L. 1981 S.B. 201, A.L. 2018 S.B. 708) Effective 7-01-19

Mo. Rev. Stat. § 303.250 Owner may give proof for employees or family members.

303.250. Owner may give proof for employees or family members. — Whenever any person required to give proof of financial responsibility hereunder is or later becomes an operator in the employ of any owner, or is or later becomes a member of the immediate family or household of the owner, the director shall accept proof given by such owner in lieu of proof by such other person to permit such other person to operate a motor vehicle for which the owner has given proof as herein provided. The director shall designate the restrictions imposed by this section on the face of such person's license. (L. 1953 p. 569 § 303.260)

Mo. Rev. Stat. § 303.260 Substitution of one proof of responsibility for another.

303.260. Substitution of one proof of responsibility for another. — The director shall consent to the cancellation of any bond or certificate of insurance or the director shall direct and the state treasurer shall return any money or securities to the person entitled thereto upon the substitution and acceptance of other adequate proof of financial responsibility pursuant to this chapter. (L. 1953 p. 569 § 303.270)

Mo. Rev. Stat. § 303.270 Director may require different proof, when.

303.270. Director may require different proof, when. — Whenever any proof of financial responsibility filed under the provisions of this chapter no longer fulfills the purposes for which required, the director shall, for the purpose of this chapter, require other proof as required by this chapter and shall suspend the license and registration or the nonresident's operating privilege pending the filing of such other proof. (L. 1953 p. 569 § 303.280)

Mo. Rev. Stat. § 303.280 Release of proof and waiver of proof, when.

303.280. Release of proof and waiver of proof, when. — 1. The director shall upon request consent to the immediate cancellation of any bond or certificate of insurance, or the director shall direct and the state treasurer shall return to the person entitled thereto, any money or securities deposited pursuant to this chapter as proof of financial responsibility, or the director shall waive the requirement of filing proof, in any of the following events: (1) At any time after two years from the date such proof was required when, during the two-year period preceding the request, the director has not received record of a conviction or a forfeiture of bail which would require or permit the suspension or revocation of the license, registration or nonresident's operating privilege of the person by or for whom such proof was furnished; or (2) In the event of the death of the person on whose behalf such proof was filed or the permanent incapacity of such person to operate a motor vehicle; or (3) In the event the person who has given proof surrenders his license and registration to the director. 2. The director shall not consent to the cancellation of any bond or the return of any money or securities in the event any action for damages upon a liability covered by such proof is then pending or any judgment upon any such liability is then unsatisfied or in the event the person who has filed such bond or deposited such money or securities has, within one year immediately preceding such request been involved as an operator or owner in any motor vehicle accident resulting in injury or damage to the person or property of others. An affidavit of the applicant as to the nonexistence of such facts, or that he has been released from all of his liability, or has been finally adjudicated not to be liable, for such injury or damage, shall be sufficient evidence thereof in the absence of evidence to the contrary in the records of the director. 3. Whenever any person whose proof has been cancelled or returned under subdivision (3) of subsection 1 of this section applies for a license or registration within a period of two years from the date proof was originally required, any such application shall be refused unless the applicant shall reestablish such proof for the remainder of such two-year period. (L. 1953 p. 569 § 303.290, A.L. 1972 S.B. 651, A.L. 1973 S.B. 251)

Mo. Rev. Stat. § 303.290 Director's duties - regulations - judicial review.

303.290. Director's duties — regulations — judicial review. — 1. The director of revenue shall administer and enforce the provisions of this chapter and may make rules and regulations necessary for its administration and shall provide for hearings upon request of persons aggrieved by orders or acts of the director under the provisions of this chapter. Upon receipt of a request for an administrative hearing the director of revenue shall reach a final decision including findings of fact and conclusions of law within ninety days. 2. Any decision, finding or order of the director, under the provisions of this chapter shall be subject to review by appeal to the circuit court of the county of the residence of the licensee, at the instance of any party in interest, in the manner provided by chapter 536 , at any time within thirty days after notice is given the licensee of such decision, finding or order. Upon such appeal the cause shall be heard de novo and the circuit court may determine the reasonableness of the director's decision, finding or order, and in disposing of the issues before it may modify, affirm, or reverse the decision, finding or order in whole or in part. Appeals from the judgment of the circuit court may be taken as in civil cases. The prosecuting attorney of the county where such appeal is taken shall appear in behalf of the director, and prosecute or defend as the case may require. (L. 1953 p. 569 § 303.020, A.L. 1957 p. 622, A.L. 1986 S.B. 424) Effective 7-01-87 (1998) Thirty-day period referred to in this statute begins to run on date of mailing of administrative decision. Gilbert v. Director of Revenue, 974 S.W.2d 655 (E.D.Mo.App.).

Mo. Rev. Stat. § 303.300 Driver's records available upon request.

303.300. Driver's records available upon request. — The director shall upon request furnish any person a certified abstract of the operating record of any person subject to the provisions of this chapter, which abstract shall also fully designate the motor vehicles, if any, registered in the name of such person, and, if there shall be no record of any conviction of such person of violating any law relating to the operation of a motor vehicle or of any injury or damage caused by such person, the director shall so certify. (L. 1953 p. 569 § 303.030)

Mo. Rev. Stat. § 303.310 Report and decision to be no evidence of negligence - may be evidence, when.

303.310. Report and decision to be no evidence of negligence — may be evidence, when. — Neither the report required by section 303.040 , the action taken by the director pursuant to this chapter, the findings, if any, of the director upon which such action is based, nor the security filed as provided in this chapter shall be referred to in any way, nor be any evidence of the negligence or due care of either party, at the trial of any action at law to recover damages; however, the report required by section 303.040 may be subpoenaed and may be introduced into evidence solely for the purpose of establishing the existence or lack of insurance coverage where such issue is material and relevant to the action being tried. A copy of the report certified by the director as a correct copy shall be received in any of the courts of this state as evidence of the contents of the original report. (L. 1953 p. 569 § 303.110, A.L. 1976 H.B. 1392) (1963) In action by releasee against releasor for damages arising from motor vehicle collision, release which was filed with safety responsibility unit was admissible as evidence over objection that it was confidential and inadmissible under this section. Farmer v. Arnold (Mo.), 371 S.W.2d 265.

Mo. Rev. Stat. § 303.315 Copies of suspension orders, constitute evidence.

303.315. Copies of suspension orders, constitute evidence. — Copies of suspension orders entered pursuant to this chapter duly certified by the director of revenue shall be evidence in all courts of this state in actions arising under this chapter. (L. 1955 p. 627 § 303.365)

Mo. Rev. Stat. § 303.320 Vehicle not registered until bona fide transfer.

303.320. Vehicle not registered until bona fide transfer. — If any owner's registration has been suspended hereunder, such registration shall not be transferred nor the motor vehicle in respect of which such registration was issued registered in any other name until the director is satisfied that such transfer of registration is proposed in good faith and not for the purpose or with the effect of defeating the purposes of this chapter. Nothing in this section shall in any wise affect the rights of any conditional vendor, chattel mortgagee or lessor of a motor vehicle registered in the name of another as owner who becomes subject to the provisions of this section. (L. 1953 p. 569 § 303.300)

Mo. Rev. Stat. § 303.330 License and registration returned to director, when.

303.330. License and registration returned to director, when. — Any person whose license or registration shall have been suspended as herein provided, or whose policy of insurance or bond, when required under this chapter, shall have been cancelled or terminated, or who shall neglect to furnish other proof upon request of the director shall immediately return his license and registration to the director. If any person shall fail to return to the director the license or registration as provided herein or in any other chapter, the director may forthwith direct the Missouri state highway patrol or any peace or police officer to secure possession thereof and return the same to the director. (L. 1953 p. 569 § 303.310, A.L. 1986 S.B. 424) Effective 7-01-87

Mo. Rev. Stat. § 303.340 Law not to apply to certain automobile insurance policies.

303.340. Law not to apply to certain automobile insurance policies. — 1. This chapter shall not be held to apply to or affect policies of automobile insurance against liability which may now or hereafter be required by any other law of this state, and such policies, if they contain an agreement or are endorsed to conform to the requirements of this chapter, may be certified as proof of financial responsibility under this chapter. 2. This chapter shall not be held to apply to or affect policies insuring solely the insured named in the policy against liability resulting from the maintenance or use by persons in the insured's employ or on his behalf of motor vehicles not owned by the insured. (L. 1953 p. 569 § 303.230)

Mo. Rev. Stat. § 303.350 Chapter not applicable to government or common carriers.

303.350. Chapter not applicable to government or common carriers. — Notwithstanding anything else herein contained, this chapter shall not apply with respect to any motor vehicle owned by the United States, the state of Missouri, or any political subdivision of this state, or any municipality therein, nor shall this chapter apply to any common carrier or contract carrier whose operations are subject to the jurisdiction of and are regulated by the interstate commerce commission or the public service commission of Missouri, or by regulatory ordinances of the municipalities served by such common or contract carrier, and which shall have satisfied any applicable requirements concerning bond, insurance or proof of financial responsibility imposed by the regulatory authority having jurisdiction over the carrier's operations. (L. 1953 p. 569 § 303.330) (1961) Motor vehicle safety responsibility law held applicable to municipal employees. City of St. Louis v. Carpenter (Mo.), 341 S.W.2d 786.

Mo. Rev. Stat. § 303.360 Not to operate retrospectively.

303.360. Not to operate retrospectively. — Sections 303.010 to 303.370 shall not be construed so as to deprive any person of any rights which may have accrued before the effective date of this law, or as conferring any rights upon any person whose claim for relief arose prior to the effective date of this law, nor as preventing the plaintiff in any civil action from relying for relief upon other process provided by law. (L. 1953 p. 569)

Mo. Rev. Stat. § 303.370 Offenses, penalties.

303.370. Offenses, penalties. — 1. Failure to report an accident as required in section 303.040 shall be punished by a fine not in excess of five hundred dollars, and in the event of injury or damage to the person or property of another in such accident, the director shall suspend the license of the person failing to make such report, or the nonresident's operating privilege of such person, until such report has been filed or for no more than one year, provided all other requirements for reinstatement have been met and for such further period not to exceed thirty days as the director may fix. 2. Any person who gives information required in report or otherwise as provided for in section 303.040 knowing or having reason to believe that it is forged or signed without authority, shall be fined not more than one thousand dollars or imprisoned for not more than one year, or both. 3. Any person whose license or registration or nonresident's operating privilege has been suspended or revoked under this chapter and who, during such suspension or revocation drives any motor vehicle upon any highway or knowingly permits any motor vehicle owned by such person to be operated by another upon any highway, except as permitted under this chapter, shall be fined not more than five hundred dollars or imprisoned not exceeding six months, or both. 4. Any person willfully failing to return his license or registration as required in section 303.330 shall be fined not more than five hundred dollars or imprisoned not to exceed thirty days, or both. 5. Any person who shall violate any provision of this chapter for which no penalty is otherwise provided shall be fined not more than five hundred dollars or imprisoned not more than ninety days, or both. (L. 1953 p. 569 § 303.320, A.L. 1986 S.B. 424) Effective 7-01-87

Mo. Rev. Stat. § 303.390 Uninsured motorist, waiver of ability to collect noneconomic damages, when ...

*303.390. Uninsured motorist, waiver of ability to collect noneconomic damages, when — inapplicability, when. — 1. An uninsured motorist shall waive the ability to have a cause of action or otherwise collect for noneconomic loss against a person who is in compliance with the financial responsibility laws of this chapter due to a motor vehicle accident in which the insured driver is alleged to be at fault. For purposes of this section, the term "uninsured motorist" shall include: (1) An uninsured driver who is the owner of the vehicle; (2) An uninsured permissive driver of the vehicle; and (3) Any uninsured nonpermissive driver. Such waiver shall not apply if it can be proven that the accident was caused, in whole or in part, by a tort-feasor who operated a motor vehicle under the influence of drugs or alcohol, or who is convicted of involuntary manslaughter under subdivision (2) of subsection 1 of section 565.024 , or assault in the second degree under subdivision (4) of subsection 1 of section 565.060 ** . 2. The provisions of this section shall not apply to an uninsured motorist whose immediately previous insurance policy meeting the requirements of section 303.190 was terminated or nonrenewed for failure to pay the premium, unless notice of termination or nonrenewal for failure to pay such premium was provided by such insurer at least six months prior to the time of the accident. 3. In an action against a person who is in compliance with the financial responsibility laws prescribed by this chapter by a person deemed to have waived recovery under subsection 1 of this section: (1) Any award in favor of such person shall be reduced by an amount equal to the portion of the award representing compensation for noneconomic losses; (2) The trier of fact shall not be informed, directly or indirectly, of such waiver or of its effect on the total amount of such person's recovery. 4. Nothing in this section shall be construed to preclude recovery against an alleged tort-feasor of benefits provided or economic loss coverage. 5. Passengers in the uninsured motor vehicle are not subject to such recovery limitation. (L. 2013 H.B. 339) *Effective 10-11-13, see § 21.250. H.B. 339 was vetoed July 3, 2013. The veto was overridden on September 11, 2013. **Section 565.060 was amended and transferred to section 565.052 by S.B. 491, 2014, effective 1-01-17. Section 565.052 does not contain the language which previously appeared in subdivision (4) of subsection 1 of section 565.060. (2018) Section providing that uninsured motorist waives ability to collect for noneconomic loss against person in compliance with financial responsibility laws violates right to jury trial under Missouri Constitution. Jiles v. Schuster Co., 357 F.Supp.3d 908 (W.D.Mo.).

Mo. Rev. Stat. § 303.400 Title.

303.400. Title. — The provisions of sections 303.400 to 303.415 shall be known as the "Motorist Insurance Identification Database Act". (L. 1999 S.B. 19 § 1) Effective 7-01-02; see § 303.415 Expires 6-30-07; see § 303.415

Mo. Rev. Stat. § 303.403 Definitions.

303.403. Definitions. — As used in sections 303.400 to 303.415 , the following terms mean: (1) "Database" , the motorist insurance identification database; (2) "Department" , the department of revenue; (3) "Designated agent" , the party with which the department contracts to implement the motorist insurance identification database; (4) "Program" , the motorist insurance identification database program. (L. 1999 S.B. 19 § 2) Effective 7-01-02; see § 303.415 Expires 6-30-07; see § 303.415

Mo. Rev. Stat. § 303.406 Database and fund created, purpose, administration - disclosure, when, ...

303.406. Database and fund created, purpose, administration — disclosure, when, violations, penalties — review and report to general assembly. — 1. The "Motorist Insurance Identification Database" is hereby created for the purpose of establishing a database to use to verify compliance with the motor vehicle financial responsibility requirements of this chapter. The program shall be administered by the department and shall receive funding from the "Motorist Insurance Identification Database Fund", which is hereby created in the state treasury. Effective July 1, 2002, the state treasurer shall credit to and deposit in the motorist insurance identification database fund six percent of the net general revenue portion received from collections of the insurance premiums tax levied and collected pursuant to sections 148.310 to 148.461 . 2. To implement the program, the department may by July 1, 2002, contract with a designated agent which shall monitor compliance with the motor vehicle financial responsibility requirements of this chapter, except that the program shall not be implemented to notify owners of registered motor vehicles until the department certifies that the accuracy rate of the program exceeds ninety-five percent in correctly identifying owners of registered motor vehicles as having maintained or failed to maintain financial responsibility. After the department has entered into a contract with a designated agent, the department shall convene a working group for the purpose of facilitating the implementation of the program. 3. The designated agent, using its own computer network, shall, no later than December 31, 2002, develop, deliver and maintain a computer database with information provided by: (1) Insurers, pursuant to sections 303.400 to 303.415 ; except that, any person who qualifies as self-insured pursuant to this chapter, or provides proof of insurance to the director pursuant to the provisions of section 303.160 , shall not be required to provide information to the designated agent, but the state shall supply these records to the designated agent for inclusion in the database; and (2) The department, which shall provide the designated agent with the name, date of birth and address of all persons in its computer database, and the make, year and vehicle identification number of all registered motor vehicles. 4. The department shall establish guidelines for the designated agent's development of the computer database so the database can be easily accessed by state and local law enforcement agencies within procedures already established, and shall not require additional computer keystrokes or other additional procedures by dispatch or law enforcement personnel. Once the database is operational, the designated agent shall, at least monthly, update the database with information provided by insurers and the department, and compare then-current motor vehicle registrations against the database. 5. Information provided to the designated agent by insurers and the department for inclusion in the database established pursuant to this section is the property of the insurer or the department, as the case may be, and is not subject to disclosure pursuant to chapter 610 . Such information may not be disclosed except as follows: (1) The designated agent shall verify a person's insurance coverage upon request by any state or local government agency investigating, litigating or enforcing such person's compliance with the motor vehicle financial responsibility requirements of this chapter; (2) The department shall disclose whether an individual is maintaining the required insurance coverage upon request of the following individuals and agencies only: (a) The individual; (b) The parent or legal guardian of an individual if the individual is an unemancipated minor; (c) The legal guardian of the individual if the individual is legally incapacitated; (d) Any person who has power of attorney from the individual; (e) Any person who submits a notarized release from the individual that is dated no more than ninety days before the request is made; (f) Any person claiming loss or injury in a motor vehicle accident in which the individual is involved; (g) The office of the state auditor, for the purpose of conducting any audit authorized by law. 6. Any person or agency who knowingly discloses information from the database for any purpose, or to a person, other than those authorized in this section is guilty of a class A misdemeanor. The state shall not be liable to any person for gathering, managing or using information in the database pursuant to this section. The designated agent shall not be liable to any person for performing its duties pursuant to this section unless and to the extent such agent commits a willful and wanton act or omission or is negligent. The designated agent shall be liable to any insurer damaged by the designated agent's negligent failure to protect the confidentiality of the information and data disclosed by the insurer to the designated agent. The designated agent shall provide to this state an errors and omissions insurance policy covering such agent in an appropriate amount. No insurer shall be liable to any person for performing its duties pursuant to this section unless and to the extent the insurer commits a willful and wanton act of omission. 7. The department shall review the operation and performance of the motorist insurance identification database program to determine whether the number of uninsured motorists has * declined during the first three years following implementation and shall submit a report of its findings to the general assembly no later than January fifteenth of the year following the third complete year of implementation. The department shall make copies of its report available to each member of the general assembly. 8. This section shall not supersede other actions or penalties that may be taken or imposed for violation of the motor vehicle financial responsibility requirements of this chapter. 9. The working group as provided for in subsection 2 of this section shall consist of representatives from the insurance industry, department of commerce and insurance, department of public safety and the department of revenue. The director of revenue, after consultation with the working group, shall promulgate any rules and regulations necessary to administer and enforce this section. No rule or portion of a rule promulgated pursuant to the authority of this section shall become effective unless it has been promulgated pursuant to the provisions of chapter 536 . (L. 1999 S.B. 19 § 3, A.L. 2000 H.B. 1797) Effective 7-01-02; see § 303.415 Expires 6-30-07; see § 303.415 *Word "have" appears in original rolls.

Mo. Rev. Stat. § 303.409 Failure to maintain financial responsibility, notice, right to hearing - ...

303.409. Failure to maintain financial responsibility, notice, right to hearing — suspension, duration, factors, extension for failure to file proof of insurance, maintenance of proof — exception for inoperable or stored motor vehicles. — 1. If the motorist insurance identification database indicates the owner of a registered motor vehicle has, regardless of the owner's operation of such motor vehicle, failed to maintain the financial responsibility required in section 303.025 for two consecutive months, the designated agent shall on behalf of the director inform the owner that the director will suspend the owner's vehicle registration if the owner does not present proof of insurance as prescribed by the director within thirty days from the date of mailing. The designated agent shall not select owners of fleet or rental vehicles or vehicles that are insured pursuant to a commercial line policy for notification to determine motor vehicle liability coverage. The director may prescribe rules and regulations necessary for the implementation of this subsection. The notice issued to the vehicle owner by the designated agent shall be sent to the last known address shown on the department's records. The notice is deemed received three days after mailing. The notice of suspension shall clearly specify the reason and statutory grounds for the suspension and the effective date of the suspension, the right of the person to request a hearing, the procedure for requesting a hearing and the date by which that request for a hearing must be made. The suspension shall become effective thirty days after the subject person is deemed to have received the notice of suspension by first class mail as provided in section 303.041 . If the request for a hearing is received prior to the effective date of the suspension, the effective date of the suspension will be stayed until a final order is issued following the hearing; however, any delay in the hearing which is caused or requested by the subject person or counsel representing that person without good cause shown shall not result in a stay of the suspension during the period of delay. 2. Neither the fact that, subsequent to the date of verification, the owner acquired the required liability insurance policy nor the fact that the owner terminated ownership of the motor vehicle shall have any bearing upon the director's decision to suspend. The suspension shall remain in force until termination despite the renewal of registration or acquisition of a new registration for the motor vehicle. The suspension shall also apply to any motor vehicle to which the owner transfers the registration. 3. Upon receipt of notification from the designated agent, the director shall suspend the owner's vehicle registration effective immediately. The suspension period shall be as follows: (1) If the person's record shows no prior violation, the director shall terminate the suspension upon payment of a reinstatement fee of twenty dollars and submission of proof of insurance, as prescribed by the director; (2) If the person's record shows one prior violation for failure to maintain financial responsibility within the immediately preceding two years, the director shall terminate the suspension ninety days after its effective date upon payment of a reinstatement fee of two hundred dollars and submission of proof of insurance, as prescribed by the director; (3) If the person's record shows two or more prior violations for failure to maintain financial responsibility, the period of suspension shall terminate one year after its effective date upon payment of a reinstatement fee of four hundred dollars and submission of proof of insurance, as prescribed by the director. 4. In the event that proof of insurance as prescribed by the director has not been filed with the department of revenue in accordance with this chapter prior to the end of the period of suspension provided in this section, such period of suspension shall be extended until such proof of insurance has been filed. In no event shall filing proof of insurance reduce any period of suspension. If proof of insurance is not maintained during the three-year period following the reinstatement or termination of the suspension, the director shall again suspend the license and motor vehicle registration until proof of insurance is filed or the three-year period has elapsed. In no event shall filing proof of insurance reduce any period of suspension. 5. Notwithstanding the provisions of subsection 1 of this section, the director shall not suspend the registration or registrations of any owner who establishes to the satisfaction of the director that the owner's motor vehicle was inoperable or being stored and not operated on the date proof of financial responsibility is required by the director. (L. 1999 S.B. 19 § 4, A.L. 2000 H.B. 1797 merged with H.B. 1948) Effective 8-28-00 (H.B. 1948); 7-01-02 (H.B. 1797) see § 303.415 Expires 6-30-07; see § 303.415

Mo. Rev. Stat. § 303.412 Reporting by insurance companies, frequency, required information - revenue ...

303.412. Reporting by insurance companies, frequency, required information — revenue to notify department of violation, penalty, exceptions. — 1. Beginning March 1, 2003, before the seventh working date of each calendar month, all licensed insurance companies in this state shall provide to the designated agent a record of all policies in effect on the last day of the preceding month. This subsection shall not prohibit more frequent reporting. 2. The record pursuant to subsection 1 of this section shall include the following: (1) The name, date of birth, driver's license number and address of each insured; (2) The make, year and vehicle identification number of each insured motor vehicle; (3) The policy number and effective date of the policy. 3. The department of revenue shall notify the department of commerce and insurance of any insurer who violates any provisions of this act. The department of commerce and insurance may, against any insurer who fails to comply with this section, assess a fine not greater than one thousand dollars per day of noncompliance. The department of revenue may assess a fine not greater than one thousand dollars per day against the designated agent for failure to complete the project by the dates designated in sections 303.400 to 303.415 unless the delay is deemed beyond the control of the designated agent or the designated agent provides acceptable proof that such a noncompliance was inadvertent, accidental or the result of excusable neglect. The department of commerce and insurance shall excuse the fine against any insurer if an assessed insurer provides acceptable proof that such insurer's noncompliance was inadvertent, accidental or the result of excusable neglect. (L. 1999 S.B. 19 § 5, A.L. 2000 H.B. 1797) Effective 7-01-02; see § 303.415 Expires 6-30-07; see § 303.415

Mo. Rev. Stat. § 303.415 Effective and expiration dates.

303.415. Effective and expiration dates. — 1. Sections 303.400 and 303.403 shall become effective on July 1, 2002, and shall expire on June 30, 2007. 2. The enactment of section 303.025 , and the repeal and reenactment of sections 303.406 , 303.409 , 303.412 and 303.415 shall become effective July 1, 2002 and sections 303.406 , 303.409 and 303.412 shall expire on June 30, 2007. (L. 1999 S.B. 19 §§ 6, D, A.L. 2000 H.B. 1797) Effective 7-01-02

Mo. Rev. Stat. § 303.420 Definitions.

303.420. Definitions. — As used in sections 303.420 to 303.440 , unless the context requires otherwise, the following terms shall mean: (1) "Program" , the motor vehicle financial responsibility enforcement and compliance incentive program established under section 303.425 ; (2) "Qualified agency" , the department of revenue, the Missouri state highway patrol, the prosecuting attorney or sheriff's office of any county or city not within a county, the chiefs of police of any city or municipality, or any other authorized law enforcement agency recognized by the state; (3) "System" or "verification system" , the web-based resource established under section 303.430 for online verification of motor vehicle financial responsibility. (L. 2023 S.B. 398)

Mo. Rev. Stat. § 303.422 Fund created, use of moneys.

303.422. Fund created, use of moneys. — 1. There is hereby created in the state treasury the "Motor Vehicle Financial Responsibility Verification and Enforcement Fund", which shall consist of money received by the department of revenue under sections 303.420 to 303.440 . The state treasurer shall be custodian of the fund. In accordance with sections 30.170 and 30.180 , the state treasurer may approve disbursements. The fund shall be a dedicated fund and money in the fund shall be used solely by the department of revenue for the administration of sections 303.420 to 303.440 . 2. Notwithstanding the provisions of section 33.080 to the contrary, any moneys remaining in the fund at the end of the biennium shall not revert to the credit of the general revenue fund. 3. The state treasurer shall invest moneys in the fund in the same manner as other funds are invested. Any interest and moneys earned on such investments shall be credited to the fund. (L. 2023 S.B. 398)

Mo. Rev. Stat. § 303.425 Incentive program created - use of third-party vendors - comparison of ...

303.425. Incentive program created — use of third-party vendors — comparison of information — use of data — access to system — suspension of registration, when, procedure — report — rulemaking authority. — 1. (1) There is hereby created within the department of revenue the motor vehicle financial responsibility enforcement and compliance incentive program. The department of revenue may enter into contractual agreements with third-party vendors to facilitate the necessary technology and equipment, maintenance thereof, and associated program management services. (2) The department of revenue or a third-party vendor shall utilize technology to compare vehicle registration information with the financial responsibility information accessible through the system. The department of revenue shall utilize this information to identify motorists who are in violation of the motor vehicle financial responsibility law. The department of revenue may offer offenders under this program the option of pretrial diversion as an alternative to statutory fines or reinstatement fees prescribed under the motor vehicle financial responsibility law as a method of encouraging compliance and discouraging recidivism. (3) The department of revenue or third-party vendors shall not use any data collected from or technology associated with any automated motor vehicle financial responsibility enforcement system. For purposes of this subdivision, "motor vehicle financial responsibility enforcement system" means a device consisting of a camera or cameras and vehicle sensor or sensors installed to record motor vehicle financial responsibility violations. (4) All fees paid to or collected by third-party vendors under sections 303.420 to 303.440 may come from violator diversion fees generated by the pretrial diversion option established under this section. 2. The department of revenue may authorize law enforcement agencies or third-party vendors to use technology to collect data for the investigation, detection, analysis, and enforcement of the motor vehicle financial responsibility law. 3. The department of revenue may authorize traffic enforcement officers or third-party vendors to administer the processing and issuance of notices of violation, the collection of fees for a violation of the motor vehicle financial responsibility law, or the referral of cases for prosecution, under the program. 4. Access to the system shall be restricted to qualified agencies and the third-party vendors with which the department of revenue contracts for purposes of the program, provided that any third-party vendor with which a contract is executed to provide necessary technology, equipment, or maintenance for the program shall be authorized as necessary to collaborate for required updates and maintenance of system software. 5. For purposes of the program, any data collected and matched to a corresponding vehicle insurance record as verified through the system, and any Missouri vehicle registration database, may be used to identify violations of the motor vehicle financial responsibility law. Such corresponding data shall constitute evidence of the violations. 6. Except as otherwise provided in this section, the department of revenue shall suspend, in accordance with section 303.041 , the registration of any motor vehicle that is determined under the program to be in violation of the motor vehicle financial responsibility law. 7. The department of revenue shall send to an owner whose vehicle is identified under the program as being in violation of the motor vehicle financial responsibility law a notice that the vehicle's registration may be suspended unless the owner, within thirty days, provides proof of financial responsibility for the vehicle or proof, in a form specified by the department of revenue, that the owner has a pending criminal charge for a violation of the motor vehicle financial responsibility law. The notice shall include information on steps an individual may take to obtain proof of financial responsibility and a web address to a page on the department of revenue's website where information on obtaining proof of financial responsibility shall be provided. If proof of financial responsibility or a pending criminal charge is not provided within the time allotted, the department of revenue shall provide a notice of suspension and suspend the vehicle's registration in accordance with section 303.041 , or shall send a notice of vehicle registration suspension, clearly specifying the reason and statutory grounds for the suspension and the effective date of the suspension, the right of the vehicle owner to request a hearing, the procedure for requesting a hearing, and the date by which that request for a hearing must be made, as well as informing the owner that the matter will be referred for prosecution if a satisfactory response is not received in the time allotted, informing the owner that the minimum penalty for the violation is three hundred dollars, and offering the owner participation in a pretrial diversion option to preclude referral for prosecution and registration suspension under sections 303.420 to 303.440 . The notice of vehicle registration suspension shall give a period of thirty-three days from mailing for the vehicle owner to respond, and shall be deemed received three days after mailing. If no request for a hearing or agreement to participate in the diversion option is received by the department of revenue prior to the date provided on the notice of vehicle registration suspension, the director shall suspend the vehicle's registration, effective immediately, and refer the case to the appropriate prosecuting attorney. If an agreement by the vehicle owner to participate in the diversion option is received by the department of revenue prior to the effective date provided on the notice of vehicle registration suspension, then upon payment of a diversion participation fee not to exceed two hundred dollars, agreement to secure proof of financial responsibility within the time provided on the notice of suspension, and agreement that such financial responsibility shall be maintained for a minimum of two years, no points shall be assessed to the vehicle owner's driver's license under section 302.302 and the department of revenue shall not take further action against the vehicle owner under sections 303.420 to 303.440 , subject to compliance with the terms of the pretrial diversion option. The department of revenue shall suspend the vehicle registration of, and shall refer the case to the appropriate prosecuting attorney for prosecution of, participating vehicle owners who violate the terms of the pretrial diversion option. If a request for hearing is received by the department of revenue prior to the effective date provided on the notice of vehicle registration suspension, then for all purposes other than eligibility for participation in the diversion option, the effective date of the suspension shall be stayed until a final order is issued following the hearing. The department of revenue shall suspend the registration of vehicles determined under the final order to have violated the motor vehicle financial responsibility law, and shall refer the case to the appropriate prosecuting attorney for prosecution. Notices under this subsection shall be mailed to the vehicle owner at the last known address shown on the department of revenue's records. The department of revenue or its third-party vendor shall issue receipts for the collection of diversion participation fees. Except as otherwise provided in subsection 1 of this section, all such fees shall be deposited into the motor vehicle financial responsibility verification and enforcement fund established in section 303.422 . A vehicle owner whose registration has been suspended under sections 303.420 to 303.440 may obtain reinstatement of the registration upon providing proof of financial responsibility and payment to the department of revenue of a nonrefundable reinstatement fee equal to the fee that would be applicable under subsection 2 of section 303.042 if the registration had been suspended under section 303.041 . 8. Data collected or retained under the program shall not be used by any entity for purposes other than enforcement of the motor vehicle financial responsibility law. Data collected and stored by law enforcement under the program shall be considered evidence if noncompliance with the motor vehicle financial responsibility law is confirmed. The evidence, and an affidavit stating that the evidence and system have identified a particular vehicle as being in violation of the motor vehicle financial responsibility law, shall constitute probable cause for prosecution and shall be forwarded in accordance with subsection 7 of this section to the appropriate prosecuting attorney. 9. Owners of vehicles identified under the program as being in violation of the motor vehicle financial responsibility law shall be provided with options for disputing such claims which do not require appearance at any state or local court of law, or administrative facility. Any person who presents timely proof that he or she was in compliance with the motor vehicle financial responsibility law at the time of the alleged violation shall be entitled to dismissal of the charge with no assessment of fees or fines. Proof provided by a vehicle owner to the department of revenue that the vehicle was in compliance at the time of the suspected violation of the motor vehicle financial responsibility law shall be recorded in the system established by the department of revenue under section 303.430 . 10. The collection of data pursuant to this section shall be done in a manner that prohibits any bias towards a specific community, race, gender, or socioeconomic status of vehicle owner. 11. Law enforcement agencies, third-party vendors, or other entities authorized to operate under the program shall not sell data collected or retained under the program for any purpose or share it for any purpose not expressly authorized in this section. All data shall be secured and any third-party vendor or other entity authorized to operate under the program may be liable for any data security breach. 12. The department of revenue shall not take action under sections 303.420 to 303.440 against vehicles registered as fleet vehicles under section 301.032 , or against vehicles known to the department of revenue to be insured under a policy of commercial auto coverage, as such term is defined in subdivision (10) of subsection 2 of section 303.430 . 13. Following one year after the implementation of the program, and every year thereafter for a period of five years, the department of revenue shall provide a report to the president pro tempore of the senate, the speaker of the house of representatives, the chairs of the house and senate committees with jurisdictions over insurance or transportation matters, and the chairs of the house budget and senate appropriations committees. The report shall include an evaluation of program operations, information as to the costs of the program incurred by the department of revenue, insurers, and the public, information as to the effectiveness of the program in reducing the number of uninsured motor vehicles, and anonymized demographic information including the race and zip code of vehicle owners identified under the program as being in violation of the motor vehicle financial responsibility law, and may include any additional information and recommendations for improvement of the program deemed appropriate by the department of revenue. The department of revenue may, by rule, require the state, counties, and municipalities to provide information in order to complete the report. 14. The department of revenue may promulgate rules as necessary for the implementation of this section. Any rule or portion of a rule, as that term is defined in section 536.010 , that is created under the authority delegated in this section shall become effective only if it complies with and is subject to all of the provisions of chapter 536 and, if applicable, section 536.028 . This section and chapter 536 are nonseverable and if any of the powers vested with the general assembly pursuant to chapter 536 to review, to delay the effective date, or to disapprove and annul a rule are subsequently held unconstitutional, then the grant of rulemaking authority and any rule proposed or adopted after August 28, 2023, shall be invalid and void. (L. 2023 S.B. 398, A.L. 2024 S.B. 1359)

Mo. Rev. Stat. § 303.430 Verification of financial responsibility, web-based system established - ...

303.430. Verification of financial responsibility, web-based system established — requirements — advisory council — rulemaking authority. — 1. The department of revenue shall establish and maintain a web-based system for the verification of motor vehicle financial responsibility, shall provide access to insurance reporting data and vehicle registration and financial responsibility data, and shall require motor vehicle insurers to establish functionality for the verification system, as provided in sections 303.420 to 303.440 . The verification system, including any exceptions as provided for in sections 303.420 to 303.440 or in the implementation guide developed to support the program, shall supersede any existing verification system, and shall be the sole system used for the purpose of verifying financial responsibility required under this chapter. 2. The system established pursuant to subsection 1 of this section shall be subject to the following: (1) The verification system shall transmit requests to insurers for verification of motor vehicle insurance coverage via web services established by the insurers through the internet in compliance with the specifications and standards of the Insurance Industry Committee on Motor Vehicle Administration, or "IICMVA". Insurance company systems shall respond to each request with a prescribed response upon evaluation of the data provided in the request. The system shall include appropriate protections to secure its data against unauthorized access, and the department of revenue shall maintain a historical record of the system data for a period of no more than twelve months from the date of all requests and responses. The system shall be used for verification of the financial responsibility required under this chapter. The system shall be accessible to authorized personnel of the department of revenue, the courts, law enforcement personnel, and other entities authorized by the state as permitted by state or federal privacy laws, and it shall be interfaced, wherever appropriate, with existing state systems. The system shall include information enabling the department of revenue to submit inquiries to insurers regarding motor vehicle insurance which are consistent with insurance industry and IICMVA recommendations, specifications, and standards by using the following data elements for greater matching accuracy: insurer National Association of Insurance Commissioners, or "NAIC", company code; vehicle identification number; policy number; verification date; or as otherwise described in the specifications and standards of the IICMVA. The department of revenue shall promulgate rules to offer insurers who insure one thousand or fewer vehicles within this state an alternative method for verifying motor vehicle insurance coverage in lieu of web services, and to provide for the verification of financial responsibility when financial responsibility is proven to the department to be maintained by means other than a policy of motor vehicle insurance. Insurers shall not be required to verify insurance coverage for vehicles registered in other jurisdictions; (2) The verification system shall respond to each request within a time period established by the department of revenue. An insurer's system shall respond within the time period prescribed by the IICMVA's specifications and standards. Insurer systems shall be permitted reasonable system downtime for maintenance and other work with advance notice to the department of revenue. Insurers shall not be subject to enforcement fees or other sanctions under such circumstances, or when systems are not available because of emergency, outside attack, or other unexpected outages not planned by the insurer and reasonably outside its control; (3) The system shall assist in identifying violations of the motor vehicle financial responsibility law in the most effective way possible. Responses to individual insurance verification requests shall have no bearing on whether insurance coverage is determined to be in force at the time of a claim. Claims shall be individually investigated to determine the existence of coverage. Nothing in sections 303.420 to 303.440 shall prohibit the department of revenue from contracting with a third-party vendor or vendors who have successfully implemented similar systems in other states to assist in establishing and maintaining this verification system; (4) The department of revenue shall consult with representatives of the insurance industry and may consult with third-party vendors to determine the objectives, details, and deadlines related to the system by establishment of an advisory council. Members of the advisory council shall serve in an advisory capacity in matters pertaining to the administration of sections 303.420 to 303.440 , as the department of revenue may request. The advisory council shall expire one year after implementation of the program. The advisory council shall consist of voting members comprised of: (a) The director of the department of commerce and insurance, or his or her designee, who shall serve as chair; (b) Two representatives of the department of revenue, to be appointed by the director of the department of revenue; (c) One representative of the department of commerce and insurance, to be appointed by the director of the department of commerce and insurance; (d) Three representatives of insurance companies, to be appointed by the director of the department of commerce and insurance; (e) One representative from the Missouri Insurance Coalition; (f) One representative chosen by the National Association of Mutual Insurance Companies; (g) One representative chosen by the American Property and Casualty Insurance Association; (h) One representative chosen by the Missouri Independent Agents Association; and (i) Such other representatives as may be appointed by the director of the department of commerce and insurance; (5) The department of revenue shall publish for comment, and then issue, a detailed implementation guide for its online verification system; (6) The department of revenue and its third-party vendors, if any, shall each maintain a contact person for insurers during the establishment, implementation, and operation of the system; (7) If the department of revenue has reason to believe a vehicle owner does not maintain financial responsibility as required under this chapter, it may also request an insurer to verify the existence of such financial responsibility in a form approved by the department of revenue. In addition, insurers shall cooperate with the department of revenue in establishing and maintaining the verification system established under this section, and shall provide motor vehicle insurance policy status information as provided in the rules promulgated by the department of revenue; (8) Every property and casualty insurance company licensed to issue motor vehicle insurance or authorized to do business in this state shall comply with sections 303.420 to 303.440 , and corresponding rules promulgated by the department of revenue, for the verification of such insurance for every vehicle insured by that company in this state; (9) Insurers shall maintain a historical record of insurance data for a minimum period of six months from the date of policy inception or policy change for the purpose of historical verification inquiries; (10) For the purposes of this section, "commercial auto coverage" shall mean any coverage provided to an insured, regardless of number of vehicles or entities covered, under a commercial coverage form and rated from a commercial manual approved by the department of commerce and insurance. Sections 303.420 to 303.440 shall not apply to vehicles insured under commercial auto coverage; however, insurers of such vehicles may participate on a voluntary basis, and vehicle owners may provide proof at or subsequent to the time of vehicle registration that a vehicle is insured under commercial auto coverage, which the department of revenue shall record in the system; (11) Insurers shall provide commercial or fleet automobile customers with evidence reflecting that the vehicle is insured under a commercial or fleet automobile liability policy. Sufficient evidence shall include an insurance identification card clearly marked with a suitable identifier such as "commercial auto insurance identification card", "fleet auto insurance identification card", or other clear identification that the vehicle is insured under a fleet or commercial policy; (12) Notwithstanding any provision of sections 303.420 to 303.440 , insurers shall be immune from civil and administrative liability for good faith efforts to comply with the terms of sections 303.420 to 303.440 ; (13) Nothing in this section shall prohibit an insurer from using the services of a third-party vendor for facilitating the verification system required under sections 303.420 to 303.440 . 3. The department of revenue shall promulgate rules as necessary for the implementation of sections 303.420 to 303.440 . Any rule or portion of a rule, as that term is defined in section 536.010 , that is created under the authority delegated in this section shall become effective only if it complies with and is subject to all of the provisions of chapter 536 and, if applicable, section 536.028 . This section and chapter 536 are nonseverable and if any of the powers vested with the general assembly pursuant to chapter 536 to review, to delay the effective date, or to disapprove and annul a rule are subsequently held unconstitutional, then the grant of rulemaking authority and any rule proposed or adopted after August 28, 2023, shall be invalid and void. (L. 2023 S.B. 398, A.L. 2024 S.B. 1359)

Mo. Rev. Stat. § 303.440 Operational date for verification system - testing or pilot period.

303.440. Operational date for verification system — testing or pilot period. — The verification system established under section 303.430 shall be installed and fully operational no later than December 31, 2027, or as soon as technologically possible following the development and maintenance of a modernized, integrated system for the titling of vehicles, issuance and renewal of vehicle registrations, issuance and renewal of driver's licenses and identification cards, and perfection and release of liens and encumbrances on vehicles, to be funded by the motor vehicle administration technology fund as created in section 301.558 , following an appropriate testing or pilot period of not less than nine months. Until the successful completion of the testing or pilot period in the judgment of the director of the department of revenue, no enforcement action shall be taken based on the system, including but not limited to action taken under the program established under section 303.425 . (L. 2023 S.B. 398, A.L. 2024 S.B. 1359)
Source: Open US Law by Vaquill AI (CC BY 4.0)URL: https://revisor.mo.gov/main/OneChapter.aspx?chapter=303Fetched: 10/17/2026