A car accident can happen at any time in Missouri: while you are driving to work, picking your kids up from school, or running errands on a Saturday afternoon. When these collisions occur, Missouri car accident laws establish specific rules regarding your right to seek compensation. Knowing where the law stands can make a real difference in how you move forward and protect your interests after a crash.
Missouri’s At-Fault Insurance System Explained
Missouri operates under an at-fault insurance system, which means the driver who caused an accident is responsible for covering the resulting losses. To drive legally in the state, you are required to carry liability insurance with minimum coverage of:
- $25,000 per person for injuries or death
- $50,000 per accident for injuries or death
- $25,000 per accident for property damage
Your liability coverage pays for the other party’s injuries and property damage when you are at fault. If the damages you cause exceed your policy limits, the injured party can sue you for the difference. Carrying higher coverage limits can protect you from significant financial exposure in the event of a serious crash.
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Statute of Limitations for Car Accident Claims in Missouri
In Missouri, you have five years from the date of your accident to file a lawsuit against the at-fault driver. While that may seem like plenty of time, waiting too long can weaken your case. Evidence fades and details grow less reliable. Witnesses also become harder to locate. Most importantly, if you file after the deadline passes, the court will almost certainly dismiss your case and prevent you from seeking compensation.
It is in your best interest to begin the claims process as soon as you are able. After receiving medical care for your injuries, speak with a Kansas City, Missouri car accident lawyer. An attorney can evaluate your situation and file the appropriate claim before the statute of limitations expires.
Does Missouri Require You to Report a Car Accident?
Missouri law requires you to file a car accident report in certain circumstances. If your accident involves an injury, a death, or property damage exceeding $500, you are required to notify the police at the scene. The best way to do this is to call 911 and wait for responding officers to arrive. You must also file a written accident report—Form 1140—with the Missouri Department of Revenue within 30 days.
Uninsured and Underinsured Motorist Claims in Missouri
Missouri law requires every liability policy to include uninsured motorist coverage at minimums of $25,000 per person and $50,000 per accident for bodily injury. This coverage protects you and your passengers if you are hit by a driver who has no insurance, insufficient coverage, or who flees the scene.
Involved in a Collision? Speak with a Missouri Car Accident Lawyer Today
If you have been hurt in a car accident in Missouri, a lawyer with experience handling injury claims can help you navigate the legal process and pursue the compensation you are owed. The attorneys at Dollar, Burns, Becker, and Hershewe have spent decades advocating for injured Missourians, and we will fight to hold the at-fault party accountable for your losses. Contact us at (816) 876-2600 today to speak with a Missouri car accident lawyer about your next steps.