There can be many reasons why a car accident occurs, including distracted drivers, vehicle malfunctions, or even outside sources, such an animal crossing the road or debris in the road. While there are definitely numerous reasons why an accident can happen, in the state of Missouri, determining who is at fault for the accident will play a big role in any settlement for damages or injury.
Missouri car accident laws require that every driver maintain at least some type of liability insurance. Unfortunately, because there are some drivers who simply do not follow this law and leave other drivers at risk because they have no insurance, Missouri also requires that drivers carry uninsured motorist insurance. This insurance is intended to help cover expenses related to an auto accident where the other party has no insurance.
Missouri is an at fault state, meaning that the person who is deemed at fault for the accident will be the one whose insurance company will have to pay for any injuries, damages, or lost wages. Fault can also be split between the parties if both parties are found to be partially responsible; this at fault responsibility can vary, depending on how much each party contributed to the accident.
Experienced car accident attorneys in St. Louis, Missouri will be able to help you understand the at fault part of your auto accident and can even help present your case in the best way possible in order to lower the amount you are found to be at fault. It’s important to work with an experienced attorney, and gathering the right information from the beginning can certainly help.
Many car accidents in Missouri won’t require an accident report; you can simply contact your insurance company. However, in some cases, you will need to file a report with the DMV. For example, if you’ve had a previous accident in Missouri within the past year and a party in the accident didn’t have insurance, and there was either a death, $500 in damages, or someone involved in the accident was injured, then you’ll need to file an accident report with the Department of Motor Vehicles.
In Missouri, drivers involved in an accident are required by law to move their vehicles off the road, if possible. Once vehicles are safely out of the way of other drivers, check to see if anyone was injured; then, call the police and exchange personal information with the other party. Make sure to get the other party’s name, address, driver’s license number, VIN and plate number, as well as the name of their insurance company and the policy number.
The amount of money that you’ll be able to recover following an auto accident will be determined by the breakdown of how much each party is at fault. An experienced attorney who handles car accident cases in Missouri can help protect you by gathering important information to establish the other party’s fault. Whether it’s interviewing witnesses or taking photographs, the more information your attorney is able to gather, the better they will be able to defend your case.