Insurance laws vary from state to state, but every state requires some type of car insurance or proof of financial responsibility in order to operate a motor vehicle. Both Missouri and Illinois law requires that all motor vehicle drivers and owners maintain some type of motor vehicle liability insurance coverage.
The minimum level of coverage required by Missouri state law is:
The minimum level of coverage required by Illinois state law is:
The car accident lawyers at Burger Law know the ins and outs of insurance laws in both states. If you have been in an auto accident and are unsure about the parameters of the insurance laws, we would be happy to answer any questions you may have. Call us today at (312) 966-4657 or contact us online.
Under Missouri Revised Statute § 303.160, there are three ways to meet the state’s requirements of the insurance law. For each type of insurance, you will receive an insurance identification card that must be kept in the vehicle at all times. You must have one of the following in effect on each motor vehicle you own or operate:
If your driving privilege and/or license plates are suspended for not having insurance, the following suspension periods will apply:
In Illinois, under 625 ILCS 5/7-601 the penalty for driving without insurance is a fine ranging from $500 to $1,000 and a license suspension of up to 3 months with a $100 reinstatement fee.
Client Reviews
Year of 2023 
This law firm is absolutely amazing. They took on my case, when nobody else would! They fought hard for me when it seemed there was no hope. They kept me informed and always asked for my input before making decisions on my case. Gary puts himself into every case unlike most law firm owners. Gary and his team really care about every one of their clients, and fights hard to get you a fair settlement. They actually won my case out of court, and then reduced my fees to make sure I could get my car fixed and be able to get back to some normality. I would recommend Burger Law over and above any other firm! If you go somewhere else you aren’t getting the best!
7 months ago I am very happy with the staff at Burger Law. I mostly worked with Michael Sheldon, and he did an amazing job. I trusted him completely with my case, and he did not disappoint. I would definitely recommend this team if your ever in need of good attorneys.
3 months ago Burger Law Firm is fantastic. Laura and Genevieve were so amazing and helpful throughout the entire process. They helped me with my personal injury case every step of the way and succeeded at getting me the results I desired.
a year ago We had a great experience with Burger Law for representing us after a serious car accident. Truly impressed by how professional and supportive the entire team is. And, many thanks to Genavieve and Laura – you are amazing!
a year ago They did an amazing job on my case! Communication with them was great!!! Kept me informed and in the loop with everything that was going on!!! Will definitely be the 1st ones I’ll call if ever I’m in another accident!!! Thank you very much!!!
5 months ago Let me tell you something about Burger Law.. they are so attentive and kind. Jennifer is my savior!! I love the whole team!!! They are truly a miracle team!! I appreciate their business and would recommend it to others.
2 months ago Absolutely the best law firm in the St. Louis area. No matter the size of your case you are treated as if you are the only client on the roster. Will explain anything thoroughly and they work around your availability. Very impressed and appreciative of the service.
11 months ago Gary and Casey took great care of me for 2.5 years as my lawsuit was finally settled. I feel he helped me achieve justice for me and my 4 children after their father died from medical malpractice and neglect. Thanks to Gary, my kids now have a great start to their college and adult lives. Thank you Gary and Casey, for fighting for us so hard at our most trying and difficult time in our lives thus far. Love and God bless from my family to yours!
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