Leif Olson, Car Insurance Writer
An at-fault accident in Missouri is a car accident caused by a negligent or careless driver. Missouri is an at-fault state, which means the at-fault driver’s liability insurance covers medical expenses and property damage for other drivers and their passengers involved in an accident.
Every state has different liability insurance requirements. In Missouri you are legally required to have at least $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
How Missouri Determines Negligence
States assign fault based on slightly different definitions of negligence. Missouri uses comparative negligence, meaning that drivers recoup accident-related expenses according to the amount of responsibility they have for an accident, usually expressed as a percentage.
For example, if you are 52% responsible for an accident, you would only be able to recoup 48% of accident-related expenses.
To learn more, check out WalletHub’s guide to at-fault accidents.
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