[Ord. No. 98-38 §1, 10-6-1998]
No person shall operate a motor vehicle registered in this State, whether owned by such operator or by another, upon the streets, alleys or highways of this City, unless such operator exhibits proof of his/her financial responsibility upon demand of any Police Officer who lawfully stops such operator while that officer is engaged in the performance of the duties of his/her office.
[Ord. No. 98-38 §1, 10-6-1998]
For purposes of this Article, the term "financial responsibility" shall mean the ability to respond in damages for liability occurring after the effective date of proof of such 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.
[Ord. No. 98-38 §1, 10-6-1998]
A. 
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, as provided by Section 303.024 of the Revised Statutes of Missouri. A motor vehicle 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 Missouri of a cash deposit as provided by Section 303.240 of the Revised Statutes of Missouri.
3. 
A surety bond filed with the Director of Revenue of the State of Missouri as provided by Section 303.230 of the Revised Statutes of Missouri.
[Ord. No. 98-38 §1, 10-6-1998]
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 the motor vehicle shall exhibit the proof of financial responsibility on the demand of any Police Officer who lawfully stops such operator while that officer is engaged in the performance of the duties of his/her office.
[Ord. No. 98-38 §1, 10-6-1998]
Failure of any person who operates a motor vehicle on the streets, alleys or highways of this City to exhibit proof of financial responsibility on the demand of any Police Officer who lawfully stops such person shall be prima facie evidence that such person, or that the owner of the vehicle, does not maintain financial responsibility as required by this Article. It shall be an absolute affirmative defense to a violation charged under Section 390.070 that the operator of a motor vehicle, or the owner of the vehicle, did maintain financial responsibility which covered operation of the vehicle by such operator on the date of the violation. It shall be a mitigating circumstance to a violation charged under Section 390.070 that the operator, subsequent to the date of the offense, and prior to a trial or guilty plea, obtained and maintained financial responsibility which covers operation of motor vehicle by such operator.
[Ord. No. 98-38 §1, 10-6-1998]
Any person convicted in violation of Section 390.070 shall be fined no less than two hundred dollars ($200.00) nor more than five hundred dollars ($500.00) or by imprisonment for not more than ninety (90) days, or by both such fine and imprisonment; provided that if certain mitigating circumstances exist as provided in Section 390.120, such fine shall be no more than twenty-five dollars ($25.00) for the first offense.