Missouri Car Accident Leads for Lawyers

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Written for injury firms licensed in Missouri: the crash numbers, the claim rules and the intake questions that matter here. Every state's deadline sits in our statute of limitations table.

Missouri crash data (2024)

Missouri recorded 955 motor vehicle crash deaths in 2024: 15.3 per 100,000 people and 1.17 per 100 million vehicle miles traveled. By population rate, that's 14th highest of the 50 states and DC.

Of 595 passenger vehicle occupants killed in Missouri, 346 (58%) were unrestrained; nationally, 43%.
Rural roads accounted for 452 deaths, 47% in Missouri compared with 41% across the country.
Speeding was involved in 311 Missouri deaths, 33% of the total, versus 29% nationwide.
50% of Missouri crash deaths (481) came from single-vehicle crashes; the all-state figure is 52%.

Source: IIHS Fatality Facts 2024, state by state, built on federal FARS data. All-state shares are the sum of every state and DC in that table.

Missouri rules that shape a car accident claim

Insurance system in Missouri

Missouri isn't one of the 12 no-fault states listed by the Insurance Information Institute, so injury claims run through the at-fault driver's liability insurance.

Minimum liability coverage

RSMo 303.190 requires an owner's policy to cover $25,000 for bodily injury to or death of one person, $50,000 for two or more people and $25,000 for property damage.

Comparative fault rule

Missouri uses pure comparative fault. In Gustafson v. Benda (1983), the Supreme Court of Missouri replaced the contributory negligence bar with comparative fault, so a plaintiff's own fault reduces the damages rather than barring the claim.

Deadline to file an injury lawsuit

RSMo 516.120 sets five years for an action for any other injury to the person or rights of another, not arising on contract, under subdivision (4).

This isn't legal advice; check the linked statutes before relying on them.

Questions to ask Missouri callers

A caller who admits partial fault is still a lead in Missouri. Record their version of the crash; under pure comparative fault, their share reduces damages instead of ending the claim.
Missouri's five-year window is long, so older crashes can still be live. Ask about treatment gaps since the crash as well as the date.
Get the crash date on every call and count forward five years, the period in RSMo 516.120(4). Files close to that line go to an attorney the same day.
Ask whether the other driver's insurer has been in touch, and note whether the caller carries underinsured coverage; Missouri requires only $25,000 per person in bodily injury liability.
Ask, without judgment, whether everyone in the vehicle was belted. 58% of occupants killed in Missouri in 2024 were unrestrained, so record the answer plainly for the attorney.
Ask for the county and road where the crash happened. 47% of Missouri's 2024 deaths were on rural roads, so note the exact location for the police report request.

Exclusive Missouri car accident leads

Our Missouri leads come from our own nationwide campaigns, are filled in by the injured person and go to one firm only, with replacements for unqualified leads. Founded in 2025 and based in Canada, we generate 10,000+ leads every month. Read how MVA leads work, or plan lead routing and CRM delivery.

Spanish-speaking MVA leads are part of our regular product.

Frequently asked questions

What is the statute of limitations for a car accident in Missouri?

Generally five years, under RSMo 516.120(4). Exceptions apply, so confirm the deadline on every file.

Can a partly at-fault driver recover in Missouri?

Yes. Since Gustafson v. Benda (1983), Missouri has applied comparative fault, so the plaintiff's damages are reduced by their share of fault rather than barred.

What are Missouri's minimum auto liability limits?