What Does It Mean that Missouri Is an "At-Fault” Car Accident State?
Not many people know this, but when it comes to auto insurance in various states, there are different ways that car accidents are handled. For instance, in New York, there’s a “no fault” system, which means regardless of who is at fault for the accident, individuals can receive compensation from own insurance company for damage to their vehicle, physical injuries, and other losses.
In the state of Missouri, however, auto insurance runs on a traditional “at-fault” system. Under the “at-fault” system, the person responsible for the accident (and their insurance company) must pay for any harm that occured in the collision, including injuries, lost income, property damage, and more.
The party who was not at fault in the accident has multiple options. They can:
- File a claim with their own insurance company
- Pursue compensation from the negligent driver’s insurance provider
- File a civil personal injury lawsuit against the at fault driver
How Do I Know the Other Driver Was At Fault?
There are four primary factors when it comes to proving liability in a car accident in Missouri:
1. The defendant had a duty of care to ensure the plaintiff (and others) on the road were safe; 2. The defendant performed an act considered negligent and in turn breached that duty of care; 3. The defendant’s negligent actions were the direct cause of a collision with the plaintiff; 4. The defendant colliding with the plaintiff was the direct cause of injuries sustained.
Proving this requires legal help from a skilled St. Louis car accident lawyer who can help put the evidence together to prove fault. You need to have someone in your corner, putting your best interests first to help you seek the most favorable outcome possible.
Speak with us in a free consultation by calling (800) 391-4318 today.