Understanding Missouri’s new car accident laws is crucial for every driver. Contact us today to schedule an appointment.
Missouri drivers should be aware of recent changes in car accident laws that impact liability, insurance requirements, and legal procedures following an accident. Staying informed can help protect your rights and ensure compliance with the law.
If you’ve been involved in an accident and need legal assistance, contact The Hoffmann Law Firm, L.L.C. for expert guidance and representation.
Changes to Liability and Fault Determination
Missouri follows a comparative fault system, meaning that if both parties share responsibility for an accident, damages are allocated accordingly. Recent legislative updates have modified how fault is determined and distributed in personal injury claims.
Under the updated law, a plaintiff may only recover damages if they are found to be less than 50% at fault for the accident (Missouri Revised Statutes Section 537.765). This change can significantly impact personal injury lawsuits, as those found predominantly responsible may be barred from recovering damages.
Updated Insurance Requirements
As of 2024, Missouri has increased the minimum liability insurance coverage drivers must carry. The updated requirements are:
- $30,000 per person for bodily injury (previously $25,000)
- $60,000 per accident for bodily injury (previously $50,000)
- $25,000 for property damage (remains unchanged)
These changes aim to better protect accident victims and reduce out-of-pocket expenses following a collision (Missouri Department of Insurance).
Mandatory Reporting and Documentation
Missouri law requires that any accident resulting in injury, death, or property damage exceeding $500 must be reported to the Missouri Department of Revenue (Missouri Revised Statutes Section 303.040). Failing to report a qualifying accident may lead to penalties, including license suspension.
Additionally, new provisions require drivers to provide documentation proving they had insurance coverage at the time of the accident. Failure to do so can result in fines and potential suspension of driving privileges.
Restrictions on Distracted Driving
As of 2023, Missouri has implemented stricter laws on distracted driving, particularly regarding the use of handheld devices. The new law states:
- Drivers under 21 are prohibited from using handheld mobile devices while driving.
- Commercial drivers are subject to a complete ban on handheld device use.
- All drivers are encouraged to use hands-free technology to reduce distractions.
Violations can result in fines and points on the driver’s record (Missouri Highway Patrol).
Hit-and-Run Penalties Have Increased
Missouri has increased penalties for hit-and-run offenses. A driver who leaves the scene of an accident involving injury or death may now face felony charges, significant fines, and extended license suspension (Missouri Revised Statutes Section 577.060).
Additionally, courts may impose harsher penalties for repeat offenders or cases involving severe injuries.
Statute of Limitations for Filing a Claim
Missouri has a strict five-year statute of limitations for filing a personal injury lawsuit related to a car accident (Missouri Revised Statutes Section 516.120). However, for wrongful death claims, the time limit is three years. Failing to file within the designated time frame can result in the loss of your legal right to seek compensation.
Contact The Hoffmann Law Firm, L.L.C Today
Understanding Missouri’s new car accident laws is crucial for every driver. Increased insurance requirements, stricter distracted driving laws, and new fault determination rules mean drivers must be more cautious and prepared. If you’ve been involved in an accident and need legal assistance, contact The Hoffmann Law Firm, L.L.C. for expert guidance and representation.