Mo. Rev. Stat. » Chapter 303
Missouri Revised Statutes

Mo. Rev. Stat. § 303.170 (2026)

Proof of responsibility by insurance certificate

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  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.

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(L. 1953 p. 569 § 303.190)

Notes of Decisions
Cited in 20 cases (1 in the last 5 years), 1960–2025 · leading case: Wilson v. Traders Ins. Co., 98 S.W.3d 608 (Mo. Ct. App. 2003).
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Wilson v. Traders Ins. Co., 98 S.W.3d 608 (Mo. Ct. App. 2003). · cites it 19× “Each Appellant maintains the policy in question was in effect on February 7, 1999, the date of the accident, because Traders had certified the policy as proof of financial responsibility under section 303.170 by fifing an SR-22 form with the Director of Revenue.”
Halpin v. Am. Fam. Mut. Ins. Co., 823 S.W.2d 479 (Mo. 1992). · cites it 4× “1 provides as follows: 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,…”
Prot. Cas. Ins. Co. v. Cook, 734 S.W.2d 898 (Mo. Ct. App. 1987). · cites it 3× “1986. One means of proof of financial responsibility is to have in effect an automobile liability policy, § 303.”
State Farm Mut. Auto. Ins. Co. v. Ward, 340 S.W.2d 635 (Mo. 1960). · cites it 4× “190 (upon which they rely) also provides that “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.”
Am. Fam. Mut. Ins. Co. v. Ward, 789 S.W.2d 791 (Mo. 1990). · cites it 2× “However, a "motor vehicle liability policy," as used in the Safety Responsibility Law, meant an insurance policy "certified" as proof of financial responsibility under the provisions of § 303.170 or § 303.180. Id. at 638. The Court said, "`We cannot read into the insurance…”
Weathers v. Royal Indem. Co., 577 S.W.2d 623 (Mo. 1979). · cites it 2× “requires that policies issued under § 303.170 as proof of financial responsibility shall insure `any other person, * * * using any such motor vehicle * * * with the express or implied permission of such named insured.”
Am. Stand. Ins. Co. of Wisconsin v. Dolphin, 801 S.W.2d 413 (Mo. Ct. App. 1990). · cites it 4× “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…”
Schuster v. Shelter Mut. Ins. Co., 857 S.W.2d 381 (Mo. Ct. App. 1993). · cites it 2× “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…”
Steele v. Shelter Mut. Ins. Co., 400 S.W.3d 295 (Mo. 2013). · cites it 2× “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…”
White v. Illinois Founders Ins. Co., 52 S.W.3d 597 (Mo. Ct. App. 2001). · cites it 2× “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…”
Dairyland Ins. Co. v. Morse, 771 F. Supp. 297 (E.D. Mo. 1991). · cites it 4× “The policy was not certified as proof of financial responsibility under Mo.Rev.Stat. §§ 303.170 or 303.180. The Dolphin court held that the lack of certification did not preclude the court from applying the public policy set forth in Mo.”
Universal Underwriters Ins. Co. v. Weber, 701 S.W.2d 588 (Mo. Ct. App. 1985). · cites it 2× “That portion reads: “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,_” § 303.”
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