Missouri Law FAQ

Missouri law requires registered vehicles to be covered by insurance that will pay for any harm the driver might cause during an accident. Typically, when you’re injured in a car accident caused by someone else, you get the other driver’s information, file a claim through their insurance company, and the insurer pays for your injuries and other losses.

Many drivers speed to save time and arrive at their destination faster. However, speeding is one of the most dangerous road behaviors and rarely has the positive outcomes people want. Part of curbing dangerous driving behavior is dispelling common myths about speeding and emphasizing the importance of sticking to the speed limit.

Yes, Missouri is a pure comparative negligence state. In Missouri, plaintiffs can still recover compensation for a personal injury even if they also were partly to blame for the accident. Under Missouri’s pure comparative fault laws, the plaintiff could be 99 percent responsible for their accident yet still be eligible to recover financial compensation for one percent of their losses.

If you have already accepted an insurance claim settlement, the case is closed and finished. But what if you made a mistake on your claim or want to recover more compensation? Can you reopen a closed insurance claim?

Unfortunately, you generally cannot reopen a closed insurance claim in Missouri.

If you are in a car accident in Missouri, the at-fault driver’s insurance company may try to give you an early settlement and have you sign a car accident release of liability form. While the prospect of easy money might sound great, signing a release of liability form can bar you from taking any further legal action against the driver or their insurance company.