Chapter 485 - Motor Vehicles: Insurance and Financial Responsibility
- ADMINISTRATION
- GENERAL PROVISIONS
- 485.010 - Short title.
- 485.020 - Definitions.
- 485.028 - “Certificate of financial responsibility” defined.
- 485.0335 - “Dormant vehicle” defined.
- 485.034 - “Evidence of insurance” defined.
- 485.035 - “Judgment” defined.
- 485.037 - “Insurance” defined.
- 485.040 - “License” defined.
- 485.050 - “Motor vehicle” defined.
- 485.055 - “Motor vehicle liability policy” defined.
- 485.060 - “Nonresident” defined.
- 485.070 - “Nonresident’s operating privilege” defined.
- 485.080 - “Operator” defined.
- 485.090 - “Owner” defined.
- 485.105 - “Proof of financial responsibility” defined.
- 485.108 - “Registered owner” defined.
- 485.110 - “Registration” defined.
- INSURANCE REQUIRED
- 485.185 - Insurance for payment of tort liabilities arising from maintenance or use of motor vehicle: Coverage to be obtained from insurance company duly licensed and approved; minimum thresholds of c
- 485.186 - Operator’s policy of liability insurance: Use in lieu of owner’s policy of liability insurance; requirements for issuance; required statements; operation of motor vehicle by person other tha
- 485.187 - Unlawful acts; fines and penalties; exceptions.
- MISCELLANEOUS PROVISIONS
- 485.370 - Applicability.
- 485.380 - Self-insurers.
- 485.385 - Department to take appropriate action after receipt of correct information.
- 485.387 - Suspension of registration does not prevent owner from effecting bona fide sale; rights of vendor, mortgagee or lessor.
- 485.390 - Chapter supplemental to laws regarding motor vehicles.
- 485.400 - Chapter not retroactive.
- 485.410 - Chapter not to prevent other process.
- NONPAYMENT OF JUDGMENT
- 485.301 - Judgment creditor authorized to report nonpayment of judgment entered as result of motor vehicle accident; Department to transmit copy of judgment to nonresident’s state.
- 485.302 - Suspension for nonpayment of judgment; exceptions.
- 485.303 - Suspension to continue until judgments paid and proof given.
- 485.304 - Payments sufficient to satisfy requirements.
- 485.305 - Payment of judgment in installments; default.
- PROOF OF FINANCIAL RESPONSIBILITY
- 485.307 - Alternate methods of giving proof; proof required before registration is restored.
- 485.3075 - Proof required before reinstatement of license or registrations suspended for failure to maintain proof; duration; penalty.
- 485.308 - Certificate of insurance as proof; filing of certificate by electronic or other means; insurance carrier to notify Department before cancelling or terminating policy.
- 485.309 - Certificate furnished by nonresident as proof.
- 485.3091 - Motor vehicle liability policy: Requirements.
- 485.3092 - Cancellation or termination of policy: Notice required; suspension required if effective date within 3 years after reinstatement.
- 485.3093 - Chapter not to affect other policies.
- 485.3098 - Other proof may be required.
- 485.3099 - Department, under certain circumstances, to consent to cancellation of certificate or waive requirement of proof; reestablishment of proof.
- SECURITY FOLLOWING ACCIDENT
- 485.190 - Department to determine amount of security required; hearing; suspension of license and registration; procedure regarding erroneous information.
- 485.191 - Right to hearing; notice; request for hearing; waiver.
- 485.193 - Scope of hearing.
- 485.195 - Powers of officer conducting hearing.
- 485.197 - Enforcement of subpoenas issued by Director.
- 485.200 - Exceptions to requirements as to security and suspension of license and registration.
- 485.210 - Requirements as to policy or bond.
- 485.220 - Form and amount of security.
- 485.230 - Duration of suspension; requirements for reinstatement.
- 485.240 - Application to nonresidents, unlicensed drivers, unregistered motor vehicles and accidents in other states.
- 485.250 - Authority of Department to reduce amount of security.
- 485.260 - Custody of security.
- 485.270 - Disposition of security.
- 485.280 - Return of deposit.
- 485.290 - Transfers of deposits to State Highway Fund; procedure for payment of claimants after transfer.
- VERIFICATION OF PROOF OF FINANCIAL RESPONSIBILITY
- 485.313 - Department to create system for verifying that owners of motor vehicles maintain insurance; regulations.
- 485.314 - Insurer to maintain record of each contract of insurance and provide Department access to any such record; Department to notify Commissioner of Insurance of noncompliance or receipt of false
- 485.316 - Confidentiality of information in system; exceptions; penalty.
- 485.317 - Department to verify insurance for each motor vehicle registered in this State; owner to respond to inquiry when Department unable to verify insurance; suspension of registration when insura
- VIOLATIONS AND PENALTIES
- 485.320 - Surrender of license, registration and license plates; owner of dormant vehicle required to cancel registration if policy covering vehicle is cancelled or expires; regulations.
- 485.326 - Suspension of license for failure to maintain insurance.
- 485.330 - Operating motor vehicle when license or registration suspended.
- 485.340 - Failure to return license, registration or license plate.
- 485.350 - False or forged policy of insurance, certificate of self-insurance, proof of financial responsibility, evidence of insurance or other document; misrepresentation of documents.