[Ord. No. 2.532 §1, 2-10-2014]
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 financial responsibility which conforms to the requirements of the laws of this State. No non-resident shall operate or permit another person to operate in this state a motor vehicle registered to such non-resident unless the non-resident maintains the financial responsibility which conforms to the requirements of the laws of the non-resident'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 non-resident 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.
For purposes of the 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. A non-resident motor vehicle owner shall maintain the owner's financial responsibility which conforms to the requirements of the laws of the non-resident's state of residence.
C.
Proof of financial responsibility may be shown by any of the following:
1.
A current insurance identification card issued by a motor vehicle insurer. 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. A current insurance identification card issued 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 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.
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. If the operator fails to exhibit an insurance identification card, the officer or inspector shall issue a citation to the operator for a violation of Section 380.140. A motor vehicle liability insurance policy, a motor vehicle liability insurance binder, receipt, or a photocopy of an image displayed on a mobile electronic device which contains the policy information required in Subsection (B) of this Section shall be satisfactory evidence of insurance in lieu of an insurance identification card. The display of an image of the insurance card on a mobile electronic device shall not serve as consent for such officer, inspector, or other person to access other contents of the mobile electronic device in any manner other than to verify the image of the insurance card. As used in this Section, the term "mobile electronic device" means any small handheld computing or communications device that has a display screen with a touch input or a miniature keyboard. Whenever a person presents a mobile electronic device as proof of financial responsibility to any Peace Officer, commercial vehicle enforcement officer, or commercial vehicle inspector pursuant to this Section, that person shall assume all liability for any damage to the mobile electronic device, except for damage willfully or maliciously caused by a Peace Officer, commercial vehicle enforcement officer, or commercial vehicle inspector.