What You Should Know About Missouri's Automobile Liability Laws
Understanding Missouri's automobile liability laws is crucial for drivers and vehicle owners in the state. These laws dictate how responsibility for car accidents is determined and how compensation is handled in the event of an accident. Below are key points to consider regarding these laws.
Missouri’s Fault-Based System
Missouri operates under a fault-based system, meaning that the driver who is found to be at fault for an accident is responsible for covering damages. This can include medical expenses, property damage, and other related costs. In such cases, the injured party can file a claim against the at-fault driver's insurance policy.
Minimum Insurance Requirements
To legally drive in Missouri, all motorists must carry minimum liability insurance coverage. As of 2023, the required minimum coverage includes:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $10,000 for property damage per accident
While these amounts may be sufficient for some drivers, it is often advisable to consider higher coverage limits to better protect against significant financial liability in the event of a serious accident.
Comparative Negligence Rule
Missouri follows a comparative negligence rule, which means that if a driver is partially responsible for an accident, their compensation can be reduced by their percentage of fault. For example, if a driver is found to be 30% at fault for an accident, their compensation would be reduced by that percentage.
Statute of Limitations
In Missouri, the statute of limitations for filing a personal injury claim resulting from a car accident is five years from the date of the accident. This means that injured parties must take legal action within this time frame to seek compensation.
Uninsured and Underinsured Motorist Coverage
Given that not all drivers adhere to the minimum insurance requirements, Missouri law allows drivers to purchase uninsured and underinsured motorist coverage. This type of insurance provides protection if the at-fault party does not have insurance or if their coverage is insufficient to cover the damages.
Pursuing a Claim
To pursue a claim after an accident, it's essential to gather evidence, such as police reports, witness statements, and medical records. This information can strengthen your case when negotiating with insurance companies or potentially taking your claim to court.
Importance of Legal Representation
Due to the complexities involved in automobile liability claims, many individuals choose to hire legal representation. An experienced attorney can help navigate the legal framework, ensure that you receive fair compensation, and advocate on your behalf if a dispute arises.
By understanding Missouri's automobile liability laws, drivers can better protect themselves and ensure they are adequately prepared in the event of an accident. Staying informed about these regulations helps enhance safety on the roads and provides peace of mind for all vehicle owners.