The answer is that Missouri is a state at fault for car accidents. Missouri requires its residents to have a minimum amount of liability coverage in their auto policies. Liability coverage should pay for your medical expenses and related damages if you're injured in an accident caused by another driver. No, Missouri is not a no-fault state when it comes to auto insurance.
Missouri is a “at-fault” or “tort” state, meaning that the person who is at fault for a car accident is responsible for paying for other people's injuries and property damage as a result of the accident. In addition, unlike no-fault states, drivers in Missouri can file lawsuits seeking compensation for even basic medical expenses after an accident. Missouri follows a fault-based insurance system. In at-fault states, the driver who is at fault for a car accident must pay for the other party's damages, including medical bills, car repairs, lost wages, and pain and suffering.
Missouri is an at-fault state in car accident claims, meaning that the driver responsible for causing an accident must pay for damages. Under the state's “pure comparative fault” system, several parties may be at fault, and their degree of liability determines how claims are resolved. As stated, Missouri follows a variant of the at fault system. It's called the system of pure comparative faults.
This method assigns a certain percentage of fault to any of the drivers in an accident. Grants compensation based on the percentage of fault assigned to the parties involved. Two types of rules are used to establish who is responsible in a car accident: fault rules and no-fault rules. If you are partially at fault for your car accident, Missouri's pure comparative negligence rule will determine the amount of compensation you can recover.
In no-fault states, you can break the no-fault rules and file a liability or personal injury lawsuit if your medical bills reach a certain amount or if your injuries are serious, as defined by state law. In cases where the plaintiff's damages exceed the at-fault driver's coverage limit, the next appropriate step would be to file a personal injury lawsuit. A no-fault insurance claim is one you make with your car insurance to pay for lost income, medical bills, and other out-of-pocket expenses after a car accident. If you're at fault for a car accident, your liability insurance pays for repairs to the other driver's car and will likely cover the doctor's bills if you're injured.
For example, collision insurance and comprehensive insurance will cover damage to your vehicle regardless of fault. There are only a limited number of circumstances in which an accident victim can seek compensation from the other driver's insurance company in a no-fault state. Even if you borrow a friend's car and neither you nor your friend have car insurance, this law will limit your recovery. However, keep in mind that with no-fault insurance, you are not allowed to obtain compensation for pain and suffering as part of the claim.
As an at-fault state, Missouri represents most states in its position that each insurance company pays for damages suffered according to the degree of fault of each party involved. Rates increase after an accident caused by the at-fault party, both to pay the fees associated with filing a claim and to compensate the insurer for assuming a greater risk. In addition to Missouri's minimum coverage requirements, you may want to purchase types of coverage that cover your own expenses after an accident. Missouri law requires all vehicle owners and drivers to maintain liability insurance and coverage for uninsured motorists.
However, other optional forms of car insurance are available, such as collision or full risk coverage...