Missouri Auto Insurance Identification Card

Who issues the card?

For a vehicle insured under a motor vehicle liability policy, the insurer or its agent. Missouri law says: "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." It adds: "Such insurance identification card may be produced in either paper or electronic format." For a self-insurer it says: "The director shall furnish each self-insurer, as provided for in section 303.220, an insurance identification card for each motor vehicle so insured."

What must an insurer-issued card show?

For insurer-issued cards, Missouri law says: "The insurance identification card shall include all of the following information:"

• "The name and address of the insurer;"
• "The name of the named insured;"
• "The policy number;"
• "The effective dates of the policy, including month, day and year;"
• "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"
• "The statement "THIS CARD MUST BE CARRIED IN THE INSURED MOTOR VEHICLE FOR PRODUCTION UPON DEMAND" prominently displayed on the card."

When is a new card issued?

Missouri law says: "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."