[Ord. No. 2005.09 §1, 5-9-2005]
A. No owner
of a motor vehicle registered in this State or required to be registered
in this State shall operate the vehicle, or authorize any other person
to operate the vehicle register or maintain registration of a motor
vehicle, or permit another person to operate such vehicle, upon the
streets or the alleys of this City, unless the owner maintains the
financial responsibility as required in this Section which conforms
to the requirements of the laws of this State. 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 shall be in violation
of this Subsection if he/she fails to maintain financial responsibility
on a motor vehicle which is inoperable or being stored and not in
operation.
B. For purposes
of this Section, the term "financial responsibility" shall mean the ability to respond in damages for liability on account
of accidents occurring after the effective date of proof of said financial
responsibility, arising out of the ownership, maintenance or use of
a motor vehicle, in the amount of twenty-five thousand dollars ($25,000.00)
because of bodily injury to or death of one (1) person in any one
(1) accident, and, subject to said limit for one (1) person, in the
amount of fifty thousand dollars ($50,000.00) because of bodily injury
to or death of two (2) or more persons in any one (1) accident, and
in the amount of ten thousand dollars ($10,000.00) because of injury
to or destruction of property of others in any one (1) accident.
C. Proof
of financial responsibility may be shown by any of the following:
1. An insurance
identification card issued by a motor vehicle insurer or by the Director
of Revenue of the State of Missouri for self-insurance. A motor vehicle
liability insurance policy, a motor vehicle liability insurance binder,
or receipt which contains the name and address of the insurer, the
name and address of the named insured, the policy number, the effective
dates of the policy and a description by year and make of the vehicle,
or at least five (5) digits of the vehicle identification number or
the word "Fleet" if the insurance policy covers five (5) or more motor
vehicles shall be satisfactory evidence of insurance in lieu of an
insurance identification card.
2. A certificate
of the State Treasurer of a cash or security deposit according to
Section 303.240, RSMo.
3. A surety
bond according to Section 303.230, RSMo.
D. Proof
of financial responsibility shall be carried at all times in the insured
motor vehicle or by the operator of the motor vehicle if the proof
of financial responsibility is effective as to the operator rather
than to the vehicle. The operator of an insured motor vehicle shall
exhibit the insurance identification card 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.
E. Any person who violates any provisions of this Section shall, upon conviction thereof, be punished as set out in Section
100.210 of this Code.