Car accidents can happen anytime, even to the most careful drivers. Therefore, all commuters in Missouri must know their rights and obligations in these events. This guide aims to clarify Missouri’s car accident laws.
Immediate steps after an accident
In Missouri, the law requires you to stop immediately after an accident. Leaving the scene is illegal and can result in severe penalties. If there are no serious injuries, you must move the vehicles to the side of the road. This law aims to reduce further accidents and improve safety for everyone involved.
After ensuring safety, exchange essential information with the other driver(s), including:
- Names
- Addresses
- License numbers
- Insurance details
This data will help you pursue an insurance claim and seek compensation after the accident.
Reporting the accident
In Missouri, you must report the accident to the Driver License Bureau if it involves an uninsured motorist, resulting in injuries, fatalities, or property damage. You can file a report using the appropriate report form. If the police are involved, they can handle the report, but having your own documentation can be beneficial.
When filing an insurance claim, the police report can help determine fault and assess damages. Ensure you have a copy of the report for your own records. The report often includes road conditions. This data helps insurance adjusters evaluate the claim.
Insurance requirements
Missouri requires all drivers to carry liability insurance. The minimum coverage includes $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. Additionally, you must include uninsured motorist coverage of $25,000 per person and $50,000 per accident. Failing to maintain this insurance can lead to the suspension of your license and registration.
Fault and negligence
Missouri operates under a “fault” system. This means that the driver who is primarily responsible for the accident must pay for damages. Still, Missouri’s laws allow you to recover damages even if you are partially at fault. In these cases, your compensation will be reduced by your percentage of fault. For example, if you are 25%, your compensation will be reduced by that amount.
Understanding your legal obligations and rights is vital when dealing with a car accident in Missouri. Following the steps in this guide can protect you and facilitate a smoother resolution process. Additionally, you can consider seeking legal advice to help you through complex situations.
