After a car accident, it’s tough to think straight. Your mind is racing and adrenaline is high, but the steps you take in these first few moments are critical. This is when crucial evidence is gathered and the foundation for your claim is built—all under the specific rules of Missouri car accident laws. Understanding these Missouri auto accident laws from the start is key. This guide is your practical checklist for the immediate aftermath. We’ll cover exactly what to do at the scene, how to document everything, and why prompt medical attention protects both your health and your rights.

Key Takeaways

Know How Missouri’s Laws Affect Your Payout: Missouri is a “comparative fault” state, meaning your settlement can be reduced if you’re found partially responsible. Since the required insurance minimums are low, your own Uninsured/Underinsured Motorist (UIM) coverage is essential for covering your costs.
Document Everything Immediately After the Crash: Your first priority is getting medical help. After that, use your phone to take pictures of the scene, the vehicles, and exchange information with the other driver. Seeing a doctor creates a medical record that officially links your injuries to the accident.
Act Promptly and Be Cautious with Insurers: While you have five years to file a personal injury claim in Missouri, it’s best to act quickly while evidence is fresh. It’s wise to consult an attorney before giving a recorded statement to the other driver’s insurance company to protect your rights.

Missouri Car Accidents: Why They Happen and What the Law Says

Getting into a car accident is jarring, and the moments that follow can be confusing. Understanding the most common reasons for accidents and the specific laws that apply here in Missouri can make a difficult situation a little clearer. From who’s at fault to what insurance is required, knowing the rules of the road is the first step toward protecting your rights. Here’s a breakdown of what every Missouri driver should know.

Common Causes of Missouri Car Accidents

Most accidents aren’t random; they’re often caused by preventable actions. Distracted driving, like texting or talking on the phone, is a major culprit. Speeding, following too closely, and failing to yield the right-of-way are also high on the list. Unfortunately, driving under the influence of alcohol or drugs continues to cause devastating crashes across the state. Regardless of the cause, Missouri law requires you to stop immediately after an accident. This isn’t just about exchanging information; it’s a critical safety measure to prevent further collisions and ensure everyone involved is safe. If you’ve been injured in a crash, understanding the cause is key to your personal injury claim.

The Sobering Statistics of Missouri Roadways

The numbers behind Missouri car accidents are truly sobering. In 2021 alone, more than 1,000 people lost their lives on our state’s roads. These aren’t just statistics; they represent families and communities forever changed by a single moment. This reality underscores why Missouri’s specific traffic laws are so important to understand. For instance, Missouri operates under a comparative fault system, which means if you are found even partially responsible for a crash, your potential settlement can be reduced. The state also mandates that drivers carry insurance, but the consequences for not having it are severe, including the suspension of your driver’s license and vehicle registration. These laws are complex, but knowing them can make all the difference after an accident.

The Role of Weather and Road Conditions

Anyone who has driven through a Missouri winter knows that weather can turn on a dime. Ice, snow, and heavy rain create slick roads and reduce visibility, significantly increasing the risk of an accident. While you can’t control the weather, you are expected to adjust your driving to match the conditions. Even if the weather is a factor, a driver can still be found at fault for driving too fast for the conditions. After any crash, it’s important to know that Missouri has strict reporting requirements. You must file a report for any accident that involves injury, death, or more than $500 in property damage. This report is a crucial piece of evidence for your case.

What is Missouri’s Comparative Negligence Law?

Missouri uses a “pure comparative negligence” system to determine compensation. This means that if you are partially at fault for the accident, your final settlement can be reduced by your percentage of fault. For example, if you are awarded $100,000 in damages but are found to be 10% responsible for the crash, your award will be reduced by 10% to $90,000. Insurance companies often use this rule to try and shift blame and pay out less. This is why having an experienced attorney who can effectively argue your case and minimize your assigned fault is so important for getting the compensation you deserve.

Missouri’s “Highest Degree of Care” Standard

Here in Missouri, we have a unique rule for drivers called the “highest degree of care.” Unlike many other states that just ask drivers to be “reasonably” careful, Missouri law demands more. It means you’re expected to be exceptionally cautious and attentive every time you get behind the wheel. What does this mean for you after a crash? It means that even a minor slip-up, like a moment of distraction, could make a driver legally responsible for the accident. Because Missouri is a “fault” state, the person who fails to meet this high standard is the one responsible for covering the damages. This strict rule can make or break a personal injury claim, which is why it’s so important to have someone on your side who understands how to prove fault and protect your rights.

Understanding insurance requirements and uninsured motorist coverage

In Missouri, drivers are only required to carry a minimum of $25,000 in liability insurance for bodily injury per person. If you’ve been seriously injured, you know that $25,000 barely scratches the surface of medical bills, lost wages, and other expenses. This can leave you in a tough financial spot, especially if the at-fault driver only has minimum coverage. It’s also why carrying your own Uninsured and Underinsured Motorist (UIM) coverage is so vital. This part of your policy steps in to cover your costs when the other driver has little or no insurance. If you’re unsure about your coverage or dealing with an insurance company, it’s wise to get legal advice.

Missouri’s Minimum Liability Coverage Requirements

Missouri law requires every driver to carry liability insurance, but the minimum amount is surprisingly low: just $25,000 for bodily injury per person. When you consider the reality of a serious accident, that amount is often just a drop in the bucket. The costs of an emergency room visit, follow-up appointments, physical therapy, and time off work can add up incredibly fast. If the person who hit you only has this minimum coverage, you could be left with significant out-of-pocket expenses, even though the accident wasn’t your fault. This gap between what the law requires and what a recovery actually costs is a major reason why navigating a personal injury claim can be so challenging.

Mandatory Uninsured Motorist (UIM) Coverage

This is where your own insurance policy becomes your most important asset. Uninsured and Underinsured Motorist (UIM) coverage is designed to protect you when the at-fault driver either has no insurance or not enough to cover your damages. It’s not automatically included in every policy, but it is an essential safeguard for every Missouri driver. This coverage steps in to pay for your medical bills and lost wages when the other driver’s policy falls short. Reviewing your own policy to ensure you have adequate UIM coverage is one of the most proactive steps you can take to protect yourself and your family from financial hardship after a crash. If you have questions about your policy, it’s always a good idea to get professional guidance.

The “No Pay, No Play” Law and Its Impact

Missouri also has a “No Pay, No Play” law, which adds another layer of complexity. This law states that if you are an uninsured driver and get into an accident, you cannot recover money for non-economic damages—like pain and suffering—even if the other driver was 100% at fault. You can still claim economic damages for things like medical bills and property damage, but you forfeit your right to be compensated for the physical pain and emotional distress the accident caused. This law underscores the critical importance of maintaining continuous auto insurance coverage. It’s a tough penalty, and it’s one reason why understanding the specifics of Missouri law is so vital after an accident. Having an advocate who knows these rules can make all the difference.

What to Do Immediately After a Car Accident

A car accident is jarring and disorienting. In the moments that follow, your mind is likely racing, and it can be tough to think clearly. But the steps you take right after a crash are critical for your safety and for protecting your rights. Knowing what to do ahead of time can help you stay grounded and take control of a stressful situation. Think of this as your checklist for the scene—a guide to help you manage the immediate aftermath and lay the groundwork for a smooth recovery. These actions create a foundation for any personal injury claims you may need to file later.

Your First Steps at the Scene

Before you do anything else, check on yourself and your passengers. Are you injured? Is everyone conscious? Your health is the absolute top priority. If anyone is hurt, call 911 immediately to request an ambulance and police. Even if injuries seem minor, it’s wise to have a professional assessment. Try to remain as calm as possible. If you are able, turn on your hazard lights to alert other drivers. Don’t leave the scene until you’ve spoken with law enforcement, as Missouri law requires you to stop and remain at the site of an accident.

Your Legal Duty to Render Aid and Warn Others

Once you’ve assessed your own condition, Missouri law has clear expectations for what comes next. You have a legal duty to stop your vehicle at the scene. According to the Missouri Department of Revenue, leaving is against the law and carries serious penalties. Your next responsibility is to check on others involved and provide reasonable assistance to anyone who is injured. This doesn’t mean you need to be a medical expert; it simply means calling 911 and offering what help you can until professionals arrive. To prevent further collisions, make the scene as safe as possible. If you can, move your car to the shoulder and turn on your hazard lights to warn oncoming traffic. These actions are not just legally required; they are crucial for everyone’s safety.

Protecting Your Rights: What Not to Say or Do

In the chaotic moments after a crash, it’s natural to want to be helpful, but you must be careful with your words. While you should cooperate with the police and provide factual information, never admit fault or apologize. An innocent “I’m so sorry” can be twisted and used against you by an insurance company later. You should also be wary of speaking with the other driver’s insurance adjuster. They may ask for a recorded statement, but you are not obligated to provide one. It’s their job to minimize their company’s payout, and they may use your words out of context. It’s best to politely decline until you’ve had a chance to seek legal advice. Protecting your rights starts at the scene, and knowing what *not* to say is just as important as knowing what to do. If you’re unsure how to handle these conversations, we can help you manage communication with insurers and protect your interests. You can learn more about our approach to automobile accident cases on our site.

When and How Should You Report a Car Accident?

In Missouri, you are legally required to report any accident that results in injury, death, or property damage exceeding $500. You must file this report with the Missouri Department of Revenue within 30 days, but it’s best to have the police do it at the scene. When you call 911, an officer will respond, investigate, and create an official crash report. This document is an essential piece of evidence. It provides an objective account of the incident, which is invaluable when dealing with insurance companies. Make sure you get the officer’s name and badge number before you leave.

What Information and Evidence Should You Collect?

While you wait for the police, and if you are safely able to do so, start gathering information. Use your phone to take pictures of everything: the damage to all vehicles, their positions on the road, skid marks, and any relevant road signs or traffic signals. Exchange information with the other driver, including their name, address, phone number, driver’s license number, and insurance policy details. It’s also a good idea to get contact information from any witnesses who saw what happened. Jot down your own notes about the accident—what you were doing, where you were going, the weather, and road conditions—while the details are still fresh in your mind.

Get Medical Care and Document Your Injuries

Even if you feel fine after an accident, it’s crucial to get a medical evaluation. The adrenaline rush from a crash can easily mask pain and injuries that may not surface for hours or even days. Seeing a doctor creates an official record that connects your injuries directly to the accident. This medical documentation is vital if you need to seek compensation for medical bills or other damages. Don’t downplay your symptoms to the doctor; be thorough and honest about everything you’re feeling. This step protects both your health and your potential legal claim. If you have questions about this process, don’t hesitate to contact our office.

What is Missouri’s “Steer It, Clear It” Law?

Missouri has a “Steer It Clear It” law designed to keep everyone safer after a minor crash. The rule is simple: first, assess for injuries. If no one appears to be seriously hurt and the vehicles are still drivable, you should move them out of the flow of traffic to a safe location, like the shoulder or a nearby parking lot. This helps prevent secondary accidents caused by blocked lanes and keeps traffic moving. Of course, if there are serious injuries or the vehicles can’t be moved, leave them where they are and wait for emergency services to arrive.

Clarifying the Law for Minor Accidents

Even a minor fender bender has legal rules you need to follow. In Missouri, you must stop immediately after any crash, regardless of how small it seems. From there, the “Steer It Clear It” law offers clear guidance: if no one appears seriously injured, move your vehicles to a safe location off the main road. This simple action helps keep traffic moving and prevents a more serious secondary accident. The most critical rule, however, is the reporting requirement. You are legally obligated to report any accident that results in an injury or property damage over $500. While you have 30 days to do so, calling the police to the scene is always the best course of action. They will create an official crash report, which serves as vital evidence for your insurance claim and helps protect your rights.

After the Crash: Your Rights and Next Steps

The moments and days following a car accident can feel overwhelming. As you focus on recovery, it’s also a critical time to gather important documents and understand your rights. Taking these steps can protect your interests and lay the groundwork for a successful insurance claim or legal action. It’s about making sure you have what you need to move forward with confidence. This guide will walk you through securing the necessary paperwork and knowing your legal standing in Missouri, so you can handle the aftermath with less stress and more control.

How to Get Your Official Crash Report

Your official crash report is a key piece of evidence. In Missouri, the easiest way to get a copy is through the Missouri State Highway Patrol’s online portal. Their website allows you to search for and download traffic crash reports from the convenience of your home. This document contains the responding officer’s official account of the incident, which is vital for insurance claims and any potential legal proceedings. Having this report on hand ensures you have an accurate record of the event.

Filing an Accident Report with the State (Form 1140)

Beyond the police report, Missouri law has another requirement you should know about. If your accident involved an injury, a death, or property damage that looks to be over $500, you are legally required to file an accident report directly with the state. This isn’t just about checking a box; this report, known as Form 1140, creates an official record that is essential for your insurance claim and any legal action you might need to take. Think of it as a foundational piece of your case, establishing the facts from the get-go.

You have 30 days from the date of the crash to submit this form to the Missouri Department of Revenue. While you can file it yourself, the best-case scenario is having the police create their report at the scene. An officer’s report provides an unbiased account that insurance companies take seriously. However, if for some reason a police report wasn’t filed, it’s on you to complete and submit Form 1140. This step is a critical part of protecting your rights, which is why it’s so important to know what to do after a car accident.

So, where do you find this form? You can download the Motor Vehicle Accident Report (Form 1140) directly from the Missouri Department of Revenue’s website. Many insurance companies and local license offices also have copies available. Taking the time to fill this out accurately ensures you have a complete record of the incident. This documentation is incredibly valuable as you begin to deal with insurance adjusters and explore your legal options, which are governed by personal injury law in Missouri.

What to Look For in Your Accident Report

Once you have the report, review it carefully. These traffic crash reports are compiled using data from law enforcement agencies across the state, but mistakes can happen. Check that all the information is correct, including the date, time, and location of the accident. Verify the names and insurance information for all drivers involved, the description of the events, any citations issued, and the officer’s diagram of the scene. If you find any errors, it’s important to get them corrected as soon as possible.

What Are Your Legal Rights and Responsibilities?

Understanding your duties after an accident is just as important as knowing your rights. In Missouri, you are legally required to stop your vehicle immediately after a collision. This law is in place for everyone’s safety and to ensure information can be exchanged properly. Beyond this immediate step, you have the right to pursue compensation if you were injured due to another’s negligence. An attorney can help you understand all your options across various personal injury practice areas.

Identifying All Potentially Liable Parties

When you’re in a car accident, it’s natural to assume the other driver is the only one at fault. However, liability can be more complex. A thorough investigation might reveal that other parties share responsibility for the crash. For instance, if the at-fault driver was on the clock for their job, their employer could be held liable. If a vehicle defect, like faulty brakes, caused the accident, the car manufacturer might be responsible. Even a government entity could be at fault if poorly maintained roads or malfunctioning traffic signals contributed to the collision. Identifying all potentially liable parties is a critical step in ensuring you can recover the full compensation you need for your injuries and losses. This is where a detailed legal review of your personal injury case becomes invaluable for uncovering all possible sources of recovery.

Understanding the Rights of Passengers

If you were a passenger in a car accident, your situation is unique. Passengers are almost never at fault for a crash, which often gives them a more straightforward path to compensation. As an injured passenger, you generally have the right to seek damages from the insurance policies of one or both drivers involved, depending on who was determined to be at fault. You may also be able to file a claim under your own auto insurance policy, particularly if you have Medical Payments (MedPay) or Underinsured Motorist (UIM) coverage. Because you bear no responsibility for the accident, you are typically entitled to recover 100% of your damages. If you were a passenger in an accident and have questions about your rights, it’s a good idea to seek legal guidance to understand your options.

What is the Missouri Car Accident Statute of Limitations?

It’s essential to act in a timely manner. Missouri has a statute of limitations that sets a deadline for filing a personal injury lawsuit. For most car accident cases, you have five years from the date of the accident to file your claim. While that might seem like a long time, building a strong case requires gathering evidence, consulting with experts, and negotiating with insurance companies. Missing this deadline means you could lose your right to seek compensation for your injuries, so it’s a date you can’t afford to ignore.

Important Exceptions to the Five-Year Rule

While the five-year deadline is the general rule, there are important exceptions that can change the timeline. For instance, if the injured person was a minor at the time of the crash, the clock doesn’t start ticking until their 21st birthday, giving them five years from that date to file a claim. Another key exception applies if the at-fault driver cannot be located because they leave the state or go into hiding. In these situations, the statute of limitations can be “tolled,” or paused, until the person is found. These rules can be complex, and figuring out your exact deadline is crucial. Because every case is unique, it’s always a good idea to discuss the specifics of your situation with an attorney to ensure you don’t miss your window to seek justice.

When Should You Call an Attorney?

If you were injured in an accident where another driver was at fault, it’s wise to speak with an attorney. You have the right to seek compensation for medical bills, lost wages, and pain and suffering related to your injuries. An experienced personal injury lawyer can handle the complexities of your case, from dealing with insurance adjusters to fighting for a fair settlement. If you’re unsure about your next steps, a legal consultation can provide clarity and direction. Please contact our office to discuss your case.

Filing Your Insurance Claim and Getting Fair Compensation

After an accident, dealing with insurance companies can feel like a full-time job. Your focus should be on recovery, but the financial and administrative stress is very real. The goal is to secure fair compensation that covers all your losses, not just the immediate bills. This process requires careful communication, a clear understanding of what you’re owed, and awareness of how your actions can impact the outcome. Knowing your rights and the common pitfalls can make a significant difference in protecting your financial future.

How to Talk to Insurance Adjusters

When you speak with an insurance adjuster, remember their job is to protect their company’s bottom line. It’s wise to be careful with your words. Stick to the facts of the accident and avoid speculating about what happened or the extent of your injuries. You are not required to give a recorded statement to the other driver’s insurance company, and it’s often in your best interest to decline. Anything you say can be used to question your claim later. If you feel pressured or unsure how to respond, it’s a good sign that you should seek legal advice. An attorney can handle these conversations for you, ensuring your rights are protected from the start.

Your Right to Choose Your Own Repair Shops and Doctors

After a crash, the other driver’s insurance company might offer a list of “approved” auto body shops or doctors. While this can seem helpful, it’s important to remember that you are in control. You have the right to choose your own trusted mechanic and medical providers. It’s a crucial reminder that you can choose your own doctors and car repair shops; don’t let insurance companies tell you where to go. Their preferred providers may have agreements with the insurer to keep costs low, which might not align with your best interests. Selecting your own doctor ensures you receive care focused on your health, not the insurer’s budget, and choosing your own repair shop helps guarantee quality work on your vehicle.

Why You Shouldn’t Sign Documents Without Legal Advice

Shortly after the accident, you will likely receive a call from the other driver’s insurance adjuster. They may ask you to sign documents, such as a medical authorization form or an early settlement offer. Be extremely cautious. Legal experts are clear on this: you should not “sign any papers until you talk to a lawyer. They might try to take advantage of you.” Signing a medical release can give the insurer access to your entire medical history, which they can use to argue your injuries aren’t from the accident. Accepting a quick settlement offer almost always means accepting far less than your claim is worth, and it prevents you from seeking further compensation. Before you sign anything, it is crucial to have an attorney review it. If you have questions, please contact our office for guidance.

What Kind of Compensation Can You Receive?

In Missouri, if another driver is at fault for your accident, you are entitled to seek compensation for a wide range of damages. This goes far beyond the initial emergency room visit. You can claim costs for all related medical care, including ongoing physical therapy, future surgeries, and prescription medications. Compensation also covers lost wages if you were unable to work, as well as the cost to repair or replace your vehicle. Furthermore, you can seek damages for non-economic losses, like physical pain and emotional suffering. Understanding the full scope of personal injury claims is the first step toward getting the fair settlement you deserve.

Will My Insurance Rates Go Up After an Accident?

Many drivers worry about their insurance rates going up after a crash. While your premiums can be affected, your immediate actions are more critical. Missouri law requires you to file a report for any accident that results in injury, death, or property damage over $500. Failing to do so within 30 days can jeopardize your claim and have legal consequences. Following the proper reporting procedures is essential for a smooth claims process. Whether your premium increases often depends on who was at fault and your specific insurance policy, but failing to report the accident properly creates unnecessary complications for everyone involved.

Penalties for Driving Uninsured or Failing to Pay

Driving without insurance in Missouri is more than just a gamble; it carries significant legal and financial consequences, especially if you’re in an accident. The state has firm rules to make sure drivers can pay for the damage they cause. If you’re found uninsured or fail to cover the costs after an at-fault crash, the penalties extend beyond simple fines. These measures are designed to hold drivers accountable and can directly affect your legal ability to drive. Understanding these rules is crucial for every driver, as one accident without proper coverage can lead to long-term problems that disrupt your life.

Consequences of Driving Uninsured During an Accident

If you’re in a crash and the state discovers you don’t have liability insurance, you’ll get a “Notice of Suspension.” According to the Missouri Department of Revenue, this official notice clearly states why your license is being suspended, when it starts, and how you can request a hearing. This isn’t just a warning; it’s a formal process that can strip you of your driving privileges. The state takes this very seriously, and dealing with a license suspension adds a huge layer of stress and difficulty to an already challenging post-accident situation. You can find more insurance information directly from the DOR.

Penalties for At-Fault Drivers Who Don’t Pay Damages

The situation gets even more serious if you are at fault for an accident and can’t pay for the damages. In this case, Missouri law is direct: your driver’s license and/or license plates will be suspended for one full year. This penalty is a direct consequence of not meeting your financial responsibility to the other person involved. It highlights why having enough insurance isn’t just a good idea—it’s essential for protecting yourself and others on the road. A year-long suspension can disrupt your entire life, impacting your ability to work, manage daily tasks, and maintain your freedom.

Potential Legal Consequences After a Crash

Beyond insurance penalties, a car accident comes with immediate legal duties. Your responsibilities start the second a collision happens. In Missouri, you are legally required to stop your vehicle right away at the scene. This law is in place for everyone’s safety and to make sure important information can be exchanged. Looking forward, you also need to be mindful of the timeline for taking legal action. Missouri’s statute of limitations gives you five years from the accident date to file a personal injury lawsuit. While that sounds like a lot of time, evidence can be lost and memories fade, so acting quickly is key to protecting your right to seek compensation.

Debunking Myths About Missouri Car Accident Laws

A couple of common misconceptions can hurt your claim. First is the belief that your own insurance will automatically cover all your costs. While your policy might help initially, Missouri is an at-fault state, meaning the responsible party’s insurance is ultimately liable for damages. Another dangerous myth is thinking you have plenty of time to act. While Missouri has a five-year statute of limitations for filing a personal injury lawsuit, waiting is never a good idea. Evidence can be lost, witness memories fade, and delays can make it much harder to build a strong case. It’s always best to address legal matters promptly.

Where to Turn for Help and Support in Missouri

Figuring out what to do after a car accident can feel overwhelming, but you don’t have to manage it all by yourself. Beyond the immediate legal steps, there’s a strong network of support across Missouri designed to help you with everything from driver safety education to emotional recovery and finding the right legal help. Knowing where to find credible information and assistance can make a huge difference in your healing journey. Whether you need help understanding your rights, finding financial assistance for legal services, or connecting with others who have gone through similar experiences, these resources are excellent starting points. Taking care of your physical and emotional well-being is just as important as handling the logistics of your insurance claim. While these organizations offer broad support, remember that every accident is unique. If you have specific questions about your situation and need personalized legal guidance, our team is always ready to help you understand your options. You can learn more about how we handle cases like yours by reviewing our practice areas.

Missouri Department of Transportation (MoDOT) Resources

The Missouri Department of Transportation (MoDOT) works to keep our roads safe for everyone. Their “Show-Me Zero” initiative is a great example of this commitment. It’s a statewide safety plan with the goal of eliminating serious injuries and deaths on Missouri highways. The program’s website offers valuable resources and information for drivers, helping you stay informed about best practices for road safety and awareness. It’s a proactive way to learn more about preventing future accidents and understanding the state’s efforts to protect drivers, passengers, and pedestrians.

Missouri Department of Revenue Contact Information

After a crash, you’ll also need to interact with the Missouri Department of Revenue (DOR). State law requires you to file a report within 30 days for any accident that involves an injury, death, or property damage over $500. The easiest way to meet this requirement is to have the responding police officer file the official crash report at the scene. This document is critical for your insurance claim. If you have questions about your driving record or need to understand your reporting duties, the DOR is the agency to contact. You can find more information on their website about accident reporting and insurance requirements, which is a key resource for ensuring you comply with state regulations and protect your ability to file a successful claim.

Where to Find Legal Aid and Support Services

If you’re worried about the cost of hiring a lawyer, you may have options. Several organizations in our region provide free legal assistance on non-criminal cases for low-income individuals and senior citizens. These services can be a lifeline when you’re trying to understand the complexities of a legal claim after an accident. They ensure that everyone has access to support, regardless of their financial situation. You can find a list of organizations offering these legal aid services to see if you qualify for assistance in Missouri, Illinois, or Kansas.

How The Missouri Bar Can Help You Find a Lawyer

If you’re not sure where to start looking for an attorney, The Missouri Bar can help. They offer a lawyer referral service that connects you with qualified attorneys who specialize in personal injury and auto accident cases in your area. This is a reliable way to find a professional who has been vetted by the state bar association. Many of the attorneys in this network offer free consultations, which gives you a chance to discuss your case and get initial legal advice without any financial pressure.

Connecting with Local Support and Rehab Services

Recovery from an accident isn’t just about legal claims and physical therapy—it’s also about emotional healing. Connecting with others who understand what you’re going through can be incredibly helpful. Local support groups and rehabilitation services across Missouri provide a space for this kind of recovery. These groups offer a community where you can share your experience and learn from others on a similar path. You can find lists of support groups and rehab services that can provide the assistance you need to move forward both physically and emotionally.

Frequently Asked Questions

What if I think I might be partially at fault for the accident? This is a very common concern. Missouri’s “pure comparative negligence” rule means you can still seek compensation even if you were partially responsible for the crash. However, your final award will be reduced by your percentage of fault. Insurance companies often use this to their advantage to lower their payout, which is why it’s so important to have someone advocating for you who can present the facts clearly and minimize any fault assigned to you.

Do I have to talk to the other driver’s insurance adjuster? You are not legally required to give a recorded statement to the other driver’s insurance company, and it’s generally not in your best interest to do so. The adjuster’s goal is to protect their company’s financial interests, and they are trained to ask questions that could potentially weaken your claim. It’s best to politely decline and direct all communication through your attorney, who can handle these conversations for you.

What happens if the driver who hit me doesn’t have insurance or has very little? This is a tough situation, and it’s exactly why having Uninsured and Underinsured Motorist (UIM) coverage on your own policy is so important. This coverage acts as a safety net, stepping in to cover your medical bills, lost wages, and other damages when the at-fault driver’s insurance is insufficient or nonexistent. We can help you review your own policy to see what coverage is available to you.

I’m worried about the cost. How can I afford to hire a personal injury attorney? This is a valid worry, but most personal injury attorneys, including our firm, work on a contingency fee basis. This means you don’t pay any attorney’s fees upfront. We only get paid if we successfully recover money for you through a settlement or verdict. This approach allows you to get experienced legal help without any financial risk while you focus on your recovery.

My injuries don’t seem that serious. Should I still see a doctor? Yes, absolutely. The adrenaline from a crash can mask pain, and some serious injuries, like whiplash or internal issues, may not show symptoms for hours or even days. Getting a medical evaluation right away does two critical things: it protects your health by catching potential problems early, and it creates an official record that directly links your injuries to the accident, which is essential for any future claim.

Missouri Car Accident Laws: What You Need to Know