Missouri Revised Statutes

Mo. Rev. Stat. § 303.160 (2026)

Proof of financial responsibility, how given

✓ current as of May 2026
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  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.

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(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.

Notes of Decisions
Cited in 29 cases, 1960–2016 · leading case: Halpin v. Am. Fam. Mut. Ins. Co., 823 S.W.2d 479 (Mo. 1992).
Halpin v. Am. Fam. Mut. Ins. Co., 823 S.W.2d 479 (Mo. 1992). · cites it 8× “A motor vehicle owner shall maintain his 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.”
Wilson v. Traders Ins. Co., 98 S.W.3d 608 (Mo. Ct. App. 2003). · cites it 6× ““Under the MVFRL, motor vehicle owners may discharge their obligations either by maintaining financial responsibility as provided in section 303.160 RSMo 1994 or with a motor vehicle liability policy which conforms to the requirements of the laws of this state.”
First Nat'l Ins. Co. of Am. v. Clark, 899 S.W.2d 520 (Mo. 1995). · cites it 4× “A motor vehicle owner shall maintain his 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.”
State Farm Mut. Auto. Ins. Co. v. Zumwalt, 825 S.W.2d 906 (Mo. Ct. App. 1992). · cites it 4× “The opinion rejected the notion that because § 303.160, RSMo 1986, provides alternate methods for proving financial responsibility, the FRL is not a compulsory insurance law.”
State Farm Mut. Auto. Ins. v. Scheel, 973 S.W.2d 560 (Mo. Ct. App. 1998). · cites it 4× “A motor vehicle owner shall maintain his 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.”
Am. Stand. Ins. Co. of Wisconsin v. Dolphin, 801 S.W.2d 413 (Mo. Ct. App. 1990). · cites it 5× “[[Image here]] Also section 303.160 RSMo 1986 provides: 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…”
White v. Illinois Founders Ins. Co., 52 S.W.3d 597 (Mo. Ct. App. 2001). · cites it 3× “Under the MVFRL, motor vehicle owners may discharge their obligations either by maintaining financial responsibility as provided in section 303.160 RSMo 1994 or with a motor vehicle liability policy which conforms to the requirements of the laws of this state.”
Shelter Mut. Ins. Co. v. Haney, 824 S.W.2d 949 (Mo. Ct. App. 1992). · cites it 4× “Hatpin rejected the notion that because § 303.160, RSMo 1986, provides alternate methods for proving financial responsibility, the FRL is not a compulsory insurance law.”
Schuster v. Shelter Mut. Ins. Co., 857 S.W.2d 381 (Mo. Ct. App. 1993). · cites it 2× “A motor vehicle owner shall maintain his 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.”
Koehr v. Dir. of Revenue, 863 S.W.2d 663 (Mo. Ct. App. 1993). · cites it 3× “According to § 303.160, RSMo 1986, financial responsibility may be established by filing one of the following: (1) a certificate of insurance, (2) a bond, (3) a certificate of deposit of money or securities, and (4) a certificate of self-insurance.”
City of St. Louis v. Carpenter, 341 S.W.2d 786 (Mo. 1961). · cites it 2× “If, after the report is made, proof of ability to respond in damages is not furnished in the time and the manner provided, the defendant, as director of revenue of the State of Missouri, is required to “suspend the license of each operator, and all registrations of each owner of…”
Am. Stand. Ins. Co. of Wisconsin v. May, 972 S.W.2d 595 (Mo. Ct. App. 1998). · cites it 2× “To determine what will satisfy the mandate, one must look to Section 303.160, et seq., RSMo 1994. Most owners and operators of vehicles undertake to satisfy the requirement by purchasing a motor vehicle liability policy.”
— Mo. Rev. Stat. § 303.160(1) — 1 case
Am. Stand. Ins. Co. of Wisconsin v. Rider, 475 S.W.2d 418 (Mo. Ct. App. 1971).
— Mo. Rev. Stat. § 303.160(3) — 1 case
Am. Stand. Ins. Co. of Wisconsin v. Rider, 475 S.W.2d 418 (Mo. Ct. App. 1971).
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.