Missouri Motor Vehicle Accident Settlement Calculator

You have 5 years to file suit in Missouri, a deadline that is longer than the national average of 2.8 years. While you have more time than most states, delaying still weakens your case as evidence degrades and witnesses become harder to locate. Missouri does apply a discovery rule, which can adjust the starting point of the limitations period when the injury was not immediately discoverable.

Missouri requires all drivers to carry minimum liability insurance of $25K per person / $50K per accident in bodily injury coverage and $25K in property damage coverage (commonly written as 25/50/25). These minimums are below the national average, meaning many drivers in Missouri may carry only enough insurance to cover a fraction of the costs from a serious accident. Missouri also requires uninsured motorist (UM) coverage of at least $25K per person, which protects you if the at-fault driver has no insurance.