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Missouri Car Accident Laws: Fault, Insurance, and Your Claim

Independently fact-checked against primary sources (last audited August 17, 2026). · Reviewed by the RecordingLaw editorial team. · Law checked current as of August 17, 2026. · 5 primary sources cited on this page. How we verify our legal content

Missouri Car Accident Laws: Fault, Insurance, and Your Claim

Updates

Corrected the insurance section to cite RSMo 303.025, the statute that actually requires every registered Missouri vehicle to carry coverage, removed an inaccurate claim that uninsured-motorist coverage above the minimum can be rejected in writing, and added Missouri's No Pay, No Play statute (RSMo 303.390), which limits an uninsured driver's recovery of pain-and-suffering damages.

Independently fact-checked against the cited primary sources; governing law re-checked for recent changes

Corrected the claim that Missouri's mandatory uninsured-motorist statute (RSMo 379.203) also mandates underinsured-motorist (UIM) coverage; the statute requires only UM coverage, and UIM is a typical optional add-on rather than a statutory minimum.

Governing law re-checked for recent changes

Reviewed and approved by an editor

Sources and References

  1. RSMo 303.190 - Minimum 25/50/25 liability limits(revisor.mo.gov).gov
  2. RSMo 303.030 - Financial responsibility / minimum limits cross-reference(revisor.mo.gov).gov
  3. RSMo 379.203 - Mandatory uninsured-motorist coverage(revisor.mo.gov).gov
  4. RSMo 516.120 - 5-year personal-injury statute of limitations(revisor.mo.gov).gov
  5. RSMo 537.100 - 3-year wrongful-death statute of limitations(revisor.mo.gov).gov
  6. RSMo 303.025 - Duty to maintain financial responsibility; penalties(revisor.mo.gov)
  7. RSMo 303.390 - Uninsured motorist waiver of noneconomic damages (No Pay, No Play)(revisor.mo.gov)
  8. Jiles v. Schuster Co., 357 F. Supp. 3d 908 (2018) - RSMo 303.390 held to violate the Missouri jury-trial right(courtlistener.com)
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