Missouri Car Accident Settlement Calculator
Estimate a car accident settlement under Missouri law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What Missouri law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
Missouri uses pure comparative fault.
Gustafson v. Benda, 661 S.W.2d 11 (Mo. 1983)·Source retrieved 2026-07-27
Mo. Rev. Stat. § 510.265·Last reviewed 2026-07-30
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
Missouri car insurance law: minimums, PIP and uninsured motorist coverage
What Missouri's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
Missouri: Minimum liability coverage
“No owner of a motor vehicle registered in this state, or required to be registered in this state, shall operate, register or maintain registration of a motor vehicle, or permit another person to operate such vehicle, unless the owner maintains the financial responsibility which conforms to the requirements of the laws of this state.”
“[…] subject to limits, exclusive of interest and costs, with respect to each such motor vehicle, as follows: twenty-five thousand dollars because of bodily injury to or death of one person in any one accident and, subject to said limit for one person, fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and twenty-five thousand dollars because of injury to or destruction of property of others in any one accident; […]”
The provision begins before this quote and continues past its end, and neither part is quoted here.
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Missouri: No-fault, personal injury protection and the right to sue
No personal injury protection requirement, and no limit on a suit for pain and suffering, was found in the provisions read for this page (RSMo §§ 303.025, 303.190 and 379.203).
Missouri: Uninsured and underinsured motorist coverage
“No automobile liability insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state unless coverage is provided therein or supplemental thereto, or in the case of any commercial motor vehicle, as defined in section 301.010, any employer having a fleet of five or more passenger vehicles, such coverage is offered therein or supplemental thereto, in not less than the limits for bodily injury or death set forth in section 303.030, for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured motor vehicles because of bodily injury, sickness or disease, including death, resulting therefrom.”
No underinsured motorist requirement was found in the provisions read for this page (RSMo § 379.203).
Missouri: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (RSMo §§ 303.025, 303.190 and 379.203).
What partial fault costs you in Missouri
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under Missouri law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every Missouri deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the Missouri periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
Mo. Rev. Stat. § 516.120·Source retrieved 2026-07-27
Open the personal injury calculatorMo. Rev. Stat. § 516.105·Source retrieved 2026-07-27
Open the medical malpractice calculatorMo. Rev. Stat. § 537.100·Source retrieved 2026-07-27
Open the wrongful death calculatorMo. Rev. Stat. § 287.430·Source retrieved 2026-07-27
Open the workers compensation calculatorMo. Rev. Stat. § 516.120·Source retrieved 2026-07-27
Open the slip and fall calculatorMissouri against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 11 of the 51 jurisdictions we track apply the pure comparative negligence rule, and Missouri is one of them.
- Its 5 years to file is longer than the 2 years that 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and Missouri is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology