How Will My Level of Fault Affect My Missouri Auto Insurance Claim Payment?

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Because the Missouri Supreme Court adopted the rules of pure comparative fault in 1983, motorists may be considered partly responsible for an accident, and their percentage of fault can affect how much of their damages are covered by an insurance policy.

Under this system, drivers' compensation for damages will be reduced by their percentage of fault. So if Driver A was 30 percent at-fault in a crash and has $1,000 in damages, he will likely only get $700 in compensation.

A motorist's percentage of fault is generally determined by the insurers of any involved parties after they have investigated the accident. Often coverage providers will base these values on witness statements, police reports, and angles of damage; but if policyholders disagree with a finding, they are permitted to consult an attorney to pursue legal action. Alternatively, motorists have the option of filing claims with their own insurance provider for physical damage if they have collision coverage and for bodily injury if they have medical payments coverage.

Because motorists in the Show Me State may be responsible for paying damages that exceed the state's minimum policy limits, it's often beneficial to pursue cheap auto insurance in Missouri that includes increased liability limits or additional comprehensive and collision coverage.

Residents are required to maintain a bodily injury and property damage liability threshold of at least 25/50/10 to cover at-fault damages. But if a driver is primarily responsible for a collision involving an expensive vehicle, for example, the $10,000 limit to cover property damage may not be enough.

If motorists are responsible for an accident, the damage to their own automobile may be covered only by collision coverage, which is not required by the state. This added protection covers damage to a policyholder's own vehicle and is generally coupled with comprehensive coverage. The comprehensive portion of this protection covers a wider range of damages that may occur outside of a collision, including theft, vandalism, fire, flooding and falling objects.
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Being considered primarily at-fault for a collision could impact a motorist's premium, especially after multiple incidents. When a vehicle owner receives a blemish on their driving record, insurers may consider them to be at a higher risk of filing claims in the future, and they could respond with elevated coverage costs. If these costs get too high, drivers have the option of pursuing high risk car insurance in Missouri to remain adequately insured and avoid many of the penalties associated with driving while uninsured.