What to Do After a Fender Bender in St. Louis

1. Stop Immediately—It’s the Law

In Missouri, you are legally required to stop after any accident—no matter how minor. Leaving the scene of an accident without exchanging information is considered a hit-and-run offense, which can lead to misdemeanor or felony charges depending on the damage or injuries involved (Missouri Revised Statutes §304.010).

Even if the accident seems insignificant, failing to stop can result in:

• Fines and penalties
• Possible license suspension
• Increased insurance rates
• Criminal charges in serious cases

2. Check for Injuries and Call 911 If Needed

Even at low speeds, a fender bender can cause injuries, especially whiplash, back pain, or concussions. Check yourself, your passengers, and the other driver for injuries. If anyone is hurt, call 911 immediately.

Missouri law requires drivers to report an accident if it involves:

• Injuries or fatalities
• Property damage exceeding $500
• An undrivable vehicle (Missouri Revised Statutes §304.070).

Even if injuries aren’t immediately apparent, seeing a doctor is wise as some symptoms may appear hours or days later.

3. Move to a Safe Location (If Possible)

If your car is causing a traffic hazard and it’s safe, move it to the shoulder or a nearby parking lot. However, do not leave the scene entirely—remain nearby to exchange information and document the accident.

If your car cannot be safely moved, turn on your hazard lights and wait for law enforcement to arrive.

4. Exchange Information with the Other Driver

Missouri law requires drivers involved in an accident to exchange the following information:

• Full name and contact details
• Driver’s license number
• Vehicle registration number
• Insurance provider and policy number

If the other driver refuses to provide this information or flees the scene, call the police immediately. Failing to exchange details can result in legal penalties (Missouri Revised Statutes §303.040).

5. Document the Scene with Photos and Notes

Proper documentation can protect you from false claims and help your insurance claim. Use your phone to take photos of:

• Both vehicles, including license plates and damage
• Street signs and traffic signals to document the location
• Road conditions, skid marks, or debris
• Any visible injuries

If there are witnesses, ask for their contact information. Their statements could be valuable if the other driver disputes the accident.

7. Notify Your Insurance Company

Missouri law requires all drivers to carry minimum liability insurance, which covers damage caused to others in an accident. The state minimums are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 for property damage
• Uninsured Motorist Coverage: $25,000 per person / $50,000 per accident (Missouri Revised Statutes §303.020).

Even if the accident is minor, you must notify your insurance provider and report the details. Some policies have strict reporting deadlines, and failure to inform them could impact your ability to file a claim.

8. Watch for Delayed Injuries and Seek Medical Attention

Even if you feel fine immediately after the accident, symptoms of injuries may appear hours or days later, including:

• Neck or back pain (whiplash)
• Headaches or dizziness (concussions)
• Numbness or tingling (nerve damage)

If you experience any pain or discomfort, see a doctor immediately. Delayed treatment can make injuries worse and affect your personal injury claim.

9. Know Your Legal Rights if the Other Driver Was At Fault

Missouri follows a fault-based system, meaning the at-fault driver is responsible for covering the damages. If the other driver was responsible, you may be able to recover:

• Vehicle repair costs
• Medical expenses
• Lost wages
• Pain and suffering

If the other driver was uninsured or refused to take responsibility, you may need to file a lawsuit or claim through your Uninsured Motorist Coverage (Missouri Revised Statutes §303.030).

10. Consult a St. Louis Car Accident Lawyer if Needed

If you experience injuries, insurance disputes, or financial losses from a fender bender, consulting a St. Louis personal injury attorney can help you:

• Prove liability if the other driver disputes fault
• Negotiate with insurance companies for a fair settlement
• Recover compensation for medical bills, lost wages, and pain & suffering

Stay Calm and Follow the Law

A fender bender in St. Louis may seem minor, but taking the right steps can protect you from legal trouble, financial loss, and potential injuries. Always stop, document the accident, exchange information, and report it if necessary. And if you need help with an insurance claim or injury, don’t hesitate to seek legal assistance.