Missouri Revised Statutes

Mo. Rev. Stat. § 303.010 (2026)

Title of law

✓ current as of May 2026

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303.010. Title of law. — This chapter may be cited as "The Motor Vehicle Financial Responsibility Law".

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(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.).

Notes of Decisions

Cited in 49 cases (2 in the last 5 years), 1954–2025 · leading case: Am. Fam. Mut. Ins. Co. v. Ward, 789 S.W.2d 791 (Mo. 1990).

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Am. Fam. Mut. Ins. Co. v. Ward, 789 S.W.2d 791 (Mo. 1990). · cites it 8× “The insurer brought a declaratory judgment action to determine if a clause in the liability insurance policy excluding "any member of the family of the insured residing in the same household as the insured" from coverage was valid as against the public policy expressed in the…”

Harrison v. MFA Mut. Ins. Co., 607 S.W.2d 137 (Mo. 1980). · cites it 4× “1, that the uninsured motorist statute be read together with the Motor Vehicle Safety Responsibility Law, section 303.010 et seq., RSMo 1978, at least insofar as the required limits for bodily injury or death are concerned.”

Blumer v. Auto. Club Inter-Ins. Exch., 340 S.W.3d 214 (Mo. Ct. App. 2011). · cites it 6× “The circuit court concluded that a total exclusion of uninsured motorist coverage would run afoul of Missouri public policy, and, therefore, the circuit court applied the exclusion only up to the limits required by the Motor Vehicle Financial Responsibility Law, section 303.010,…”

Nat'l Union Fire Ins. Co. v. Maune, 277 S.W.3d 754 (Mo. Ct. App. 2009). · cites it 4× “National Union argued its obligation was limited by operation of the household-exclusion provision in the policy, in conjunction with the Missouri Financial Responsibility Law, Section 303.010, et seq., which only requires that a policy provide coverage in the amount of $25,000.”

Shahan v. Shahan, 988 S.W.2d 529 (Mo. 1999). · cites it 2× “In August of 1995, State Farm tendered $25,000 to the court registry in compliance with the Motor Vehicle Financial Responsibility Law (MVFRA), sections 303.010 to 303.370, RSMo 1994, and filed a motion for leave to withdraw as counsel for Todd.”

Halpin v. Am. Fam. Mut. Ins. Co., 823 S.W.2d 479 (Mo. 1992). · cites it 2× “3, which reads as follows: Nothing in sections 303.010 to 303.050, 303.060, 303.”

Adam Dutton v. Am. Fam. Mut. Ins. Co., 454 S.W.3d 319 (Mo. 2015). · cites it 2× “Dutton argued that the Motor Vehicle Financial Responsibility Law (MVFRL), section 303.010 to section 303.390, 1 required American Family to pay the statutory minimum of $25,000 as a matter of public policy, which could not be negated by an exclusion.”

Prot. Cas. Ins. Co. v. Cook, 734 S.W.2d 898 (Mo. Ct. App. 1987). · cites it 3× “Such “Motor Vehicle Safety Responsibility Law,” § 303.010, et seq., is intended to discourage careless driving by requiring proof, after an accident, of financial responsibility as a condition to avoiding suspension or revocation of a license or owner’s registration.”

First Nat'l Ins. Co. of Am. v. Clark, 899 S.W.2d 520 (Mo. 1995). · cites it 3× “The issue in this ease is whether the Missouri Vehicle Financial Responsibility Law, Section 303.010, RSMo 1994, et seq., requires stacking of automobile liability coverage.”

Gibbs v. Nat'l Gen. Ins. Co., 938 S.W.2d 600 (Mo. Ct. App. 1997). · cites it 3× “§ 303.010. Chapter 303 defines “operator” as a person who is in actual physical control of a motor vehicle.”

State v. Ridinger, 266 S.W.2d 626 (Mo. 1954). · cites it 4× “We come now to defendant’s final contention that the bus from which defendant removed the wheel and tire in question was not a motor vehicle within the statute. Defendant bases his argument on the facts appearing above in the third paragraph of this opinion.”

Steele v. Shelter Mut. Ins. Co., 400 S.W.3d 295 (Mo. 2013). · cites it 3× “The policy itself does not cover all passengers, and the financial responsibility law, known as the MVFRL, section 303.010, RSMo.2000 et seq., requires it to provide coverage only to users of the vehicle to the extent that liability may be imposed on them under Missouri law for…”

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