By Law Missouri HEHN
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March 3, 2025
Car accidents can turn your life upside down in an instant. Medical bills pile up, vehicles need repairs, and insurance companies start asking questions. One of the biggest concerns after a crash is figuring out who is responsible for covering the damages. Is Missouri a no-fault state? The short answer is no—Missouri follows a fault-based system, meaning the driver responsible for the accident is also responsible for covering the costs. But what does that mean for you? Understanding Missouri’s car accident laws is essential if you’ve been involved in a crash. Whether you’re filing an insurance claim, negotiating a settlement, or considering legal action, knowing how the system works can make all the difference. Below, we’ll break down Missouri’s fault-based laws, car insurance requirements, and how comparative fault could impact your claim. What Does No-Fault State Mean? When it comes to car accident laws, states are divided into fault-based (tort states) and no-fault states. In a no-fault state, each driver’s insurance covers their own medical expenses and lost wages, no matter who caused the crash. This system is designed to simplify claims and reduce lawsuits over minor injuries. No-fault states require drivers to carry Personal Injury Protection (PIP) coverage, which pays for medical bills regardless of fault. Missouri, however, follows a fault-based system, also known as a tort system. This means that after an accident, the at-fault driver (and their insurance) is responsible for paying damages, including medical bills, property damage, and lost wages. If you were injured in a crash, you generally have three options to seek compensation: File a claim with your own insurance (which may then seek reimbursement from the at-fault driver’s insurer). File a claim against the at-fault driver’s insurance to cover your damages. File a personal injury lawsuit against the at-fault driver if their insurance is insufficient or denies liability. This system allows injured parties to recover full damages but often leads to disputes over fault and compensation, making legal guidance important in many cases. Missouri Car Insurance Requirements Because Missouri is a fault-based state, drivers must carry liability insurance to cover potential damages if they cause an accident. The minimum insurance requirements in Missouri are: $25,000 per person for bodily injury $50,000 per accident for bodily injury involving multiple people $10,000 per accident for property damage Uninsured motorist coverage: $25,000 per person and $50,000 per accident While these minimums provide basic protection, they may not be enough in a serious accident. Medical bills and vehicle repairs can easily exceed these limits, leaving at-fault drivers personally responsible for additional costs. Many drivers choose to purchase higher coverage limits for better financial protection. Driving without insurance in Missouri is illegal and can lead to fines, license suspension, and higher future premiums. Additionally, if an uninsured driver causes an accident, it can be difficult for victims to recover compensation—though Missouri’s uninsured motorist coverage helps protect against this risk. How Does Comparative Fault Impact a Missouri Car Accident? One of the most important aspects of Missouri’s car accident laws is pure comparative fault. This rule affects how much compensation you can receive if you’re partially responsible for an accident. Under pure comparative fault, the amount of compensation you receive is reduced by your percentage of fault. For example: If you are awarded $100,000 in damages but found 20% at fault, your compensation is reduced by 20%, leaving you with $80,000. Even if you are 80% at fault, you can still recover 20% of your damages. This system differs from modified comparative fault states, where you cannot recover compensation if you are more than 50% responsible for the accident. In Missouri, you can still recover damages even if you were mostly at fault, though your settlement will be reduced accordingly. Insurance companies often use comparative fault to minimize payouts. They may argue that you were partially responsible to reduce the amount they have to pay. This is why working with an experienced attorney can be crucial in ensuring you receive a fair settlement. What Should You Do After a Car Accident in Missouri? If you’ve been in a car accident in Missouri, taking the right steps can help protect your rights and strengthen your case: Call 911 – Always report the accident to law enforcement. A police report can be valuable evidence when filing an insurance claim or lawsuit. Exchange information – Get the other driver’s name, contact information, insurance details, and license plate number. Document the scene – Take photos of the vehicles, injuries, road conditions, and any traffic signs or signals. If there are witnesses, get their contact information. Seek medical attention – Even if you don’t feel injured, some conditions (like whiplash or internal injuries) may not show symptoms right away. Notify your insurance company – Report the accident as soon as possible, but be cautious when speaking with adjusters. Anything you say could be used to minimize your claim. Consult a personal injury attorney – If you’re injured or facing disputes over fault, legal representation can help ensure you receive fair compensation. When Should You Contact a Personal Injury Attorney? Not every car accident requires an attorney, but if you’ve been injured, dealing with insurance companies can be a challenge. Adjusters often try to settle claims quickly and for as little as possible. They may downplay injuries or argue that you were partially at fault to reduce their payout. At Harper, Evans, Hilbrenner & Netemeyer, we have years of experience helping accident victims recover fair compensation. Whether you’re facing medical expenses, lost wages, or long-term injuries, our team is here to fight for what you deserve. We handle negotiations with insurers, gather evidence, and build strong cases to maximize settlements. Don’t settle for less than you’re owed. Contact Harper, Evans, Hilbrenner & Netemeyer today for a free consultation. We’ll review your case, explain your rights, and help you navigate the legal process with confidence. Conclusion Missouri is not a no-fault state. Instead, it follows a fault-based system, meaning the at-fault driver is responsible for damages. Missouri’s pure comparative fault rule allows you to seek compensation even if you share some blame for the accident. If you’ve been injured, knowing your rights and options can make a significant difference in your recovery. Harper, Evans, Hilbrenner & Netemeyer is here to provide expert legal support and fight for the compensation you deserve. Need legal advice? Contact us today for a free consultation.