§ 15-16. Financial responsibility required.
(a)
No owner of a motor vehicle registered in this state, or required to be registered in this state, shall operate, register or maintain registration of a motor vehicle, or permit another person to operate such vehicle, unless the owner maintains the financial responsibility which conforms to the requirements of the laws of this state. No nonresident shall operate or permit another person to operate in this state a motor vehicle registered to such nonresident unless the nonresident maintains the financial responsibility which conforms to the requirements of the laws of the nonresident's state of residence. Furthermore, no person shall operate a motor vehicle owned by another with the knowledge that the owner has not maintained financial responsibility unless such person has financial responsibility which covers the person's operation of the other's vehicle; however, no owner or nonresident shall be in violation of this subsection if he or she fails to maintain financial responsibility on a motor vehicle which is inoperable or being stored and not in operation.
(b)
A motor vehicle owner shall maintain the owner's financial responsibility in a manner provided for in RSMo 303.160, or with a motor vehicle liability policy which conforms to the requirements of the laws of this state. A nonresident motor vehicle owner shall maintain the owner's financial responsibility which conforms to the requirements of the laws of the nonresident's state of residence.
(c)
When operating a motor vehicle within the corporate limits of the city, the operator of shall exhibit proof of financial responsibility on the demand of any peace officer, commercial vehicle enforcement officer or commercial vehicle inspector who lawfully stops such operator or investigates an accident while that officer or inspector is engaged in the performance of the officer's or inspector's duties. If proof is provided by means of an insurance identification card, such insurance identification card may be produced in either paper or electronic format. Acceptable electronic forms include display of electronic images on a cellular phone or any other type of portable electronic device. The insurance identification card shall include all of the following information:
(1)
The name and address of the insurer;
(2)
The name of the named insured;
(3)
The policy number;
(4)
The effective dates of the policy, including month, day and year;
(5)
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;
(6)
The statement "This card must be carried in the insured motor vehicle for production upon demand" prominently displayed on the card.
(d)
Failure to have the required insurance or produce evidence of the same shall result, upon conviction, a minimum fine of $100.00 and up to the fine of $1,000.00 and/or 90 days in jail.
(Ord. No. 14-01, § 1, 1-13-14)