In the United States, each state determines for itself how insurance works in the event of a car accident. While some states have a “no-fault” policy, Missouri is a “fault” state, meaning the payout is directly related to who is liable for collision repair and other costs. Here is a closer look at the car accident laws in the Show-Me State. 

What Does It Mean to Be a “Fault State”?

In states with fault policies, like Missouri, the ultimate payout to injured parties is apportioned based on what percentage fault a judge or insurer finds you liable for. That means if you’re 25% liable, you’ll receive 75% of the payout from the insurance company.

Generally, a case will proceed in one of three ways—one person will file a claim with their insurance company, file a claim with the other driver’s insurance company, or take up a personal injury lawsuit against the other party. In all of the cases, the degree of fault will be apportioned before a payout is made. It’s important to remember that in Missouri, you must have valid insurance to be eligible for anything beyond medical bills, such as car collision repair or lost wages as a result of an injury. 

How Is Fault Determined?

The actual fault will be determined by a wide range of factors, starting with the statements taken by the police at the scene. This raw testimony and narrative will form the basis of the case; if someone admits an error, for instance, they may be considered more liable. The insurer or judge will also review photographs of the scene and any footage from nearby businesses or traffic cameras. Finally, there may be a more forensic analysis of each vehicle to determine how the contact happened and why, as well as the collision repair necessary. It’s worth noting that when speaking to an officer, it’s best to stick to the facts and avoid admitting fault. For all you know, there could be an inciting incident that you didn’t even see.

If your car has been dinged up in an accident, contact Branson Collision Center in Taney County, MO. The family-owned and -operated auto body shop has experience working with most insurances and will ensure a smooth transaction to lower any inconveniences on your part. Whether you ultimately need a body repair or dent removal, the Better Business Bureau^®-certified crew will restore your vehicle to its original condition. You can get in touch with a friendly staff representative by calling (417) 335-3775. Learn more about the Tri-Lake area collision repair shop by visiting their website.