Anyone who has ever been in an auto accident in Missouri has likely wondered about their legal rights. Most victims ask the following questions: How does my auto insurance coverage work? Does the state use the no-fault rule? What is Missouri's minimum coverage requirement? Knowing how the state's auto insurance laws work is crucial to the success of an accident claim. For further help, consult a local car accident lawyer. Missouri Fault Laws Missouri uses the at-fault rule for auto insurance. Simply put, an injured driver must file a claim with their insurer or the other driver's provider. Additionally, the person responsible for an accident is liable for financial harm, which their insurer covers up to the policy's limit. A Missouri resident injured in an auto accident has a range of options for reporting the event and gaining compensation. They can: File a personal injury suit against the responsible party File a claim with their own insurer Make a claim against the a...