When an accident occurs in Missouri, the person responsible for causing it is required to pay for any resulting damages. That is because Missouri is a “fault” car accident state.
A person involved in a car accident in Missouri has the right to recover compensation in one of the three following ways:
In contrast, some states operate under a “no-fault” car insurance system, and victims must file a claim with their own insurer regardless of fault.
All drivers in Missouri must by law to carry liability insurance coverage with a minimum of:
Liability coverage will pay for another party’s medical bills, property damage, and other costs up to policy limits when you are at fault. Drivers must also carry uninsured motorist coverage (UM) with a minimum of:
UM coverage protects drivers and their passengers if they are ever in an accident caused by an uninsured driver, but will not pay for vehicle damage. If your total damages exceed your liability or UM policy limits, the only option to recover the difference is to sue the at-fault driver personally.
While liability and UM are the only types of auto insurance required by law, there are many other kinds of optional coverage, including medical payments, comprehensive coverage, collision coverage, and roadside assistance.
In Missouri, driving without car insurance can lead to severe consequences, even if you have insurance but fail to provide proof. For example:
Additionally, drivers who cause an accident without insurance may be personally liable for the damages.
After a car accident, the Missouri Department of Insurance states you should report the accident immediately to your insurance company. If you were not responsible, you should notify the at-fault party’s insurer. However, under the state’s statute of limitations, you have five years from the date of the collision to file suit or settle a claim. When an accident results in a fatality, the victim’s family has three years to file a wrongful death lawsuit against the at-fault driver. If you fail to pursue a claim within the allotted time, you will lose your right to recover any compensation. Contact a St. Louis car accident attorney today.