Missouri's I-70 links Kansas City and St. Louis and carries heavy truck traffic across the state, while I-44 runs southwest through Springfield. Missouri allows five years for most injury claims, longer than many states, and follows pure comparative fault.
Is Missouri a no-fault state?
No — Missouri is an at-fault state. Missouri is an at-fault state. The driver who caused the crash — through their liability insurer — is generally responsible for the injured person's losses. You can usually file a claim with that insurer, with your own insurer, or file a lawsuit.
Missouri does not require PIP. Uninsured motorist coverage is required.
Learn more in our guide to what a no-fault state is.
How does shared fault work in Missouri?
Missouri follows pure comparative fault. If you were partly to blame, your compensation may be reduced by your share of fault, but you are not barred from recovering — even if your share is large.
For example, if a Missouri jury decided you were 30% at fault, your compensation could be reduced by 30%. Because there is no cut-off, you may still recover something even if you were mostly to blame.
Read more: what comparative fault means.
How long do I have to file a car accident claim in Missouri?
In Missouri, the general deadline to file a personal injury lawsuit is five years from the date of the injury, with some exceptions.
Other deadlines can be much shorter. Your insurance policy may require prompt notice of the crash, PIP and uninsured-motorist claims can have their own timelines, and claims against a city, county or the State of Missouri often need formal notice within months. Different rules can also apply to minors and wrongful death claims.
What are Missouri's minimum car insurance requirements?
Missouri requires drivers to carry at least $25,000 per person / $50,000 per accident for bodily injury, and $25,000 for property damage.
Minimum limits are often not enough to cover a serious injury. If the at-fault driver has little or no insurance, your own uninsured/underinsured motorist (UM/UIM) coverage, medical payments coverage or PIP may help. See what to do if an uninsured driver hit you.
What should I do after a car accident in Missouri?
Get safe, get medical care and protect your evidence. These steps apply anywhere in Missouri:
- Call 911 if anyone is hurt, and move out of traffic if it's safe — especially on busy roads like I-70 or I-44.
- Call the police and ask how to get the crash report. Missouri generally requires reporting crashes that cause injury, death or significant damage.
- Exchange names, insurance and plate numbers, and photograph the vehicles, the scene and your injuries.
- Get the names and phone numbers of witnesses.
- See a doctor promptly, even if you feel fine.
- Notify your own insurer, but be careful about giving the other driver's insurer a recorded statement.
- Talk to an independent Missouri attorney before signing any release, keeping the five years deadline in mind.
Our full what to do after a car accident guide goes into more detail.
Where do car accidents happen in Missouri?
Crashes happen everywhere, but traffic is heaviest in and around Kansas City, St. Louis, Springfield, Columbia and Independence. Major routes include I-70, I-44, I-55, I-270, I-35 and I-64. Our attorney-matching service covers every county in Missouri.