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If there are no serious injuries or property damage, the law may not require you to call the police or submit an official accident report. However, you should always report such accidents to your insurance provider, even if you think they are minor.

The accident report must be mailed to us within one year of the accident date. MAIL THE COMPLETED ACCIDENT REPORT FORM AND ANY ATTACHMENTS TO THE DRIVER LICENSE BUREAU, P.O. BOX 200, JEFFERSON CITY, MISSOURI 65105-0200, OR FAX TO (573) 526-7365.

Missouri's "No Pay No Play" law, also known as the Uninsured Motorist Act, limits the ability of uninsured drivers to recover damages in the event of a car accident. Under this law, uninsured drivers are, generally speaking, not allowed to recover non-economic damages, such as pain and suffering.

In Missouri, a minor auto accident payout typically ranges from $3,000 to $15,000. The key factors in deciding the settlement amount in these instances are the extent of the damage done and the kind of vehicles involved.

Missouri is an at-fault state for car accidents. Missouri requires its residents to carry a minimum amount of liability coverage in their auto policies. Liability coverage should pay your medical expenses and related damages if you are injured in an accident that was caused by another driver.

Determining who's at fault requires that you prove the at-fault party breached their duty of care as a driver. This duty of care requires that a driver take reasonable care to ?ensure any action taken or failed to take does not cause injury to another person on the road or cause damage to property.?