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Missouri is an at-fault state for car accidents. Missouri requires its residents to carry a minimum amount of liability coverage in their auto policies. Liability coverage should pay your medical expenses and related damages if you are injured in an accident that was caused by another driver.
Missouri is an at-fault state for car accidents. Missouri requires its residents to carry a minimum amount of liability coverage in their auto policies. Liability coverage should pay your medical expenses and related damages if you are injured in an accident that was caused by another driver.
Tell your insurer about the accident straightaway, even if you don't want to make a claim. if someone is injured, show your insurance certificate or cover note to the police. If you can't do this at the scene take the documents to the police station within seven days.
Determining who's at fault requires that you prove the at-fault party breached their duty of care as a driver. This duty of care requires that a driver take reasonable care to ?ensure any action taken or failed to take does not cause injury to another person on the road or cause damage to property.?
If there are no serious injuries or property damage, the law may not require you to call the police or submit an official accident report. However, you should always report such accidents to your insurance provider, even if you think they are minor.
Missouri's ?No Pay, No Play? law prevents uninsured motorists from pursuing non-economic damages after an auto accident (RSMo section § 303.390). This includes uninsured drivers who own the vehicle, uninsured permissive drivers of the vehicle, and uninsured nonpermissive drivers.
The five-year time limit applies to both personal injury and property damage claims. The clock typically starts ticking from the date of the accident. Specific exceptions to the statute of limitations may exist, but they are relatively rare and require particular circumstances.
Cognitive distraction. Even a single passenger can take your attention off the road if you're engaged in an intense discussion with them. Conversations require mental focus and, when they're happening in a car, your focus is stolen from the task of driving.