Frequently Asked Questions in Missouri

When an accident turns your life upside down, it’s normal to feel unsure about what to do next. Whether your injury happened in St. Louis, Kansas City, or a small rural town, knowing your rights can help you move forward with confidence. This guide answers some of the most common questions asked by Missouri residents after an accident involving injuries, vehicle damage, or wrongful death.

How long do I have to file a personal injury claim in Missouri?

In Missouri, the statute of limitations for most personal injury claims is five years from the date of the accident. If you are filing a wrongful death claim, you have three years from the date of your loved one’s death. If the case involves a government agency, you may need to act even sooner. Missing these deadlines could mean losing your chance to recover compensation.

Is Missouri an at-fault or no-fault state?

Missouri is an at-fault state, which means the person responsible for the accident is also responsible for paying for damages. That includes medical bills, property damage, and other losses. You can file a claim with the at-fault party’s insurer or pursue a lawsuit if needed. Understanding who was at fault is a key part of your legal options.

What should I do immediately after a car accident?

Call 911 and make sure everyone is safe. Seek medical attention, even if you don’t feel seriously hurt right away. Take photos of the vehicles, the road, and any visible injuries. Exchange insurance information with the other driver, and report the crash to the police and your insurer as soon as possible.

Can I get compensation if I was partially at fault?

Yes. Missouri follows a pure comparative negligence rule. This means you can still recover damages even if you were partly at fault, but your compensation will be reduced by your percentage of fault. For example, if you’re found to be 20 percent responsible, your compensation will be reduced by 20 percent.

How do I get a copy of my police report in Missouri?

You can request a crash report from the Missouri State Highway Patrol or the local police department that responded to the scene. Visit https://www.mshp.dps.missouri.gov for instructions on how to request one online or by mail. You’ll typically need the accident date, location, and incident number.

What if the other driver doesn’t have insurance?

If the at-fault driver is uninsured or underinsured, your own policy’s Uninsured Motorist (UM) coverage can help. In Missouri, UM coverage is required by law. This coverage can pay for medical bills and other expenses when the other driver has no insurance. Filing a lawsuit against the uninsured driver is also an option, but collecting money may be difficult.

What should I know about slip-and-fall claims?

Property owners in Missouri have a duty to maintain safe conditions on their premises. If you slip, trip, or fall because of a hazard that should have been fixed or warned about, you may have a claim. You’ll need to show that the property owner knew or should have known about the danger. Taking photos and getting witness statements can help support your case.

Can I sue for emotional distress after an accident?

Yes, you may be able to sue for emotional distress if it was caused by someone else’s negligence. This is often included in broader personal injury claims. You may need documentation from a medical professional to prove how the incident affected your mental health. These claims can add to the total value of your compensation.

Who can file a wrongful death claim in Missouri?

A wrongful death claim in Missouri is usually filed by the deceased person’s spouse, children, or parents. If those relatives are not available, other family members may be allowed to file. The claim can seek damages for funeral costs, lost financial support, and the emotional toll of the loss. It must be filed within three years of the death.

What if my accident involved a commercial truck?

Truck accident cases are often more complex because they may involve multiple parties, such as the driver, trucking company, and even the manufacturer. Federal and state regulations also apply. You may be able to recover damages from more than one source. A lawyer can help investigate and identify who is liable.

Are there resources for victims during recovery?

Yes. If you’re unable to work after an accident, you may be eligible for Medicaid, food assistance, or temporary disability benefits in Missouri. Victims of violent crimes may also qualify for help through the Missouri Crime Victims’ Compensation Program. These programs offer financial relief while your case is pending or being resolved.

What if I was injured at work?

Workplace injuries in Missouri are usually handled through the workers’ compensation system. This provides medical care and wage replacement, regardless of fault. However, if a third party caused your injury—such as a contractor or equipment manufacturer—you may also have a separate personal injury claim. Reporting the injury promptly is crucial.

Should I give a recorded statement to the insurance company?

You are not required to give a recorded statement, and in many cases, it’s better not to. Insurance companies may try to use your words against you to reduce your claim. Politely decline and let them know your attorney will follow up. This protects your legal rights and prevents misunderstandings.

Do personal injury lawyers in Missouri charge upfront fees?

Most personal injury lawyers in Missouri work on a contingency fee basis. That means you don’t pay anything unless they win your case. Their fee is usually a percentage of your settlement or award. This makes legal help more accessible to accident victims.