We are personal injury attorneys who have achieved results for our clients in Joplin for over 40 years.
A minor car accident is a collision that results in little to no visible damage to the vehicles involved and typically causes minor or no injuries. These accidents can happen at low speeds, such as in parking lots or during stop-and-go traffic.
While the damage might seem minimal, even a minor accident can lead to legal and financial issues. Drivers in Missouri must understand that it’s their right and responsibility to avoid complications later on. Failing to take proper steps after a minor accident can impact insurance claims and liability, potentially leading to more problems.
At Buchanan, Williams & O’Brien, we can help guide you through the steps necessary to handle a minor car accident. We assist with understanding your legal obligations, navigating insurance claims, and addressing disputes over fault or liability. We aim to ensure you’re protected and the process is as smooth as possible.
Understanding Missouri Car Accident Laws
In Missouri, determining who is at fault in car accidents follows the state’s “fault” system, according to the Revised Statutes of Missouri (RSMo). RSMo § 303.030 states that drivers must have financial responsibility for their vehicles, usually through liability insurance, to pay for any damages they cause in an accident.
Another critical aspect of Missouri car accident law is the comparative negligence rule. This means that fault can be distributed among parties. So, if you’re partially at fault, your compensation may be reduced proportionally. Understanding this can be crucial in minor accident claims.
Uninsured Motorist Coverage
Uninsured motorist coverage is a crucial consideration for drivers. In Missouri, the law requires all drivers to have liability insurance, with minimum coverage amounts set at $25,000 for bodily injury for each person, $50,000 for bodily injury for every accident, and $25,000 for property damage.
These minimums help drivers meet their essential financial responsibilities following an accident. However, only some people follow this law, and encountering an uninsured driver can complicate the situation. This is where uninsured motorist coverage becomes useful, as it can shield us from significant financial losses in such scenarios.
Reporting an Accident
Reporting an accident is crucial, and Missouri law has specific guidelines. If you’re in a car accident that causes injuries or property damage exceeding $500, you must report it to the police. According to Missouri Revised Statutes Section 303.040, you must also send a written report to the Missouri Department of Revenue. The Motor Vehicle Accident Report report should include details about the accident, the people involved, and any injuries or damages.
Statute of Limitations
The state’s statute of limitations determines how long you must file a lawsuit after an accident. In Missouri, this period is typically five years for property damage and personal injury claims. Missing this deadline could mean forfeiting your right to seek compensation.
Working with a knowledgeable car accident lawyer ensures you meet all deadlines and take the proper legal actions after a minor car accident. At Buchanan, Williams & O’Brien, our team understands Missouri’s car accident laws and can help you through the legal process.
Common Injuries In Minor Car Accidents
Even minor car accidents can lead to surprising injuries that may not be immediately noticeable. One common injury is whiplash, which occurs due to sudden stops or collisions. Whiplash involves neck strain caused by rapid back-and-forth movement, often resulting in delayed symptoms such as stiffness and pain. Studies show that neck pain can manifest hours or even days after the incident due to tiny tears in neck muscles and ligaments, leading to inflammation and discomfort.
Soft tissue injuries are another common outcome of minor accidents. These include strains and sprains affecting muscles and tendons, which might not present symptoms until days later, potentially causing longer-term discomfort. Addressing these injuries early is crucial to avoid worsening conditions.
Economic Damages
Beyond physical injuries, individuals involved in an accident often face economic losses, such as medical expenses and lost wages. These financial burdens can make the already challenging situation worse. Documenting every injury and medical visit for legal purposes and supporting any potential claims is essential.
Non-Economic Damages
Non-economic damages, including pain and suffering, also arise from minor accidents. Emotional distress often accompanies physical injuries, impacting the victim’s daily life. Being involved in a hit-and-run accident can add another layer of complexity and stress, both emotionally and legally.
There are no strict rules for calculating non-economic damages. Still, courts typically consider several factors, including the severity of the injury, its impact on daily life, and the duration of pain or discomfort. In Missouri, two standard methods for calculating these damages are:
- Multiplier Method: This method calculates real economic damages—such as medical expenses and lost earnings—by multiplying them by a factor ranging from 1.5 to 5, based on the severity of the injury.
- Per Diem Method: This method puts a daily value to the victim’s pain and suffering and multiplies it by the number of days the victim suffers from the injury.
Missouri does not limit non-economic damages in most personal injury cases from car accidents, allowing victims to seek fair compensation. However, consulting with legal professionals for case-specific advice is crucial.
Steps To Take After A Minor Car Accident In Missouri
If you have been involved in a minor car accident, here are some essential steps to take:
- Prioritize Safety: Your first focus should be safety when you’re involved in a car accident, even a minor one. Quickly assess for any injuries. If someone is hurt, contact emergency services at once.
- Move to a Safe Location: If everyone is okay, try to move the vehicles to a safe spot. Keeping the accident scene clear helps prevent further accidents. Remember, Missouri has a Steer It, Clear It law encourages this action.
- Gather Information: Once you’re in a safe location, it’s essential to collect information. Exchange insurance details with the other driver, essential for filing an insurance claim later. Take photos of vehicle damage, license plates, and the accident scene. If there are witnesses, ask for their contact information if they’re willing to share.
- Contact Law Enforcement: Even with no visible injuries, contacting law enforcement is crucial. A police accident report can be invaluable if there are disputes about fault later. It’s part of Missouri’s guidelines to report car accidents.
- Inform Your Insurance Company: Once everything is settled at the scene, notify your insurance company about the accident. Providing detailed accounts and evidence will help in processing any claims smoothly. Taking these steps can make a confusing situation more manageable and protect you legally.
Can You Sue For A Minor Car Accident In Missouri?
If injuries from an accident persist, filing a personal injury claim may be necessary. Even seemingly minor damages can lead to long-term medical issues, which could warrant a compensation claim. Disputes regarding fault can also complicate the situation, making it essential to consider a civil lawsuit in such cases. Determining fault is particularly crucial in a Missouri car accident settlement, as it influences the compensation you may receive.
Acting swiftly is vital due to Missouri’s statute of limitations for car accident claims. You must meet this deadline to seek the compensation you’re owed. At Buchanan, Williams & O’Brien, our team has extensive experience with these claims and can guide you through the process with our expertise.
Pursuing a claim after a minor accident is not solely about repairs. It’s about ensuring you receive the compensation you deserve, which can mean the difference between simply moving on and fully recovering what you are entitled to.
Protect Your Rights and Future: Partner with Buchanan, Williams & O’Brien Today!
Minor accidents can quickly escalate into complex legal matters, making it essential to consult a car accident attorney to avoid being caught off guard by unexpected twists. Insurance companies often prioritize minimizing payouts, leading to disputes over fault and compensation. That’s where our team of experienced attorneys comes in; we handle negotiations on your behalf, ensuring you receive fair compensation for property damage and any injuries sustained.
Navigating the legal process can be overwhelming, but having an attorney by your side helps gather crucial evidence and document essential details that strengthen your case. This thorough approach ensures every critical aspect is noticed, allowing you to make informed decisions about potential legal action.
At Buchanan, Williams & O’Brien, we bring years of experience handling car accident cases in Missouri. Our commitment is to navigate the complexities of the legal system so you can focus on recovery.
After a minor accident, taking immediate steps to consult with us is vital, as this can be crucial in protecting your legal and financial interests. Our knowledge and dedication empower you to make the right choices during this challenging time.
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