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Missouri’s approach to phone use behind the wheel changed dramatically when the Siddens Bening Hands-Free Law took effect. Signed into law in August 2023, this statute (RSMo Section 304.822) initially carried only a warning period. That grace period ended on…
Intersections are among the most dangerous spots on any road. According to the Federal Highway Administration, roughly 40 percent of all reported crashes in the United States occur at or near a crossroads, and about half of all serious collisions…
If you were hurt at a crossroads in Missouri, you probably want a straight answer about what your claim might be worth. That is a completely reasonable question, and perhaps the most common one we hear. The honest answer, though,…
Few things feel as jarring as being involved in a collision only to watch the other driver speed away. You are left shaken, possibly injured, and wondering who will cover the cost of the damage. In Missouri, these incidents happen…
Missouri’s Minimum Auto Coverage Requirements Every driver in Missouri must carry liability insurance to operate a motor vehicle legally. Under Mo. Ann. Stat. § 379.203, Missouri law requires insurance companies to include uninsured motorist protection in every auto policy. Carriers…
A rear-end collision can feel minor in the moment. The car looks fine, you walk away, and adrenaline masks whatever your body just went through. But whiplash, a soft tissue injury caused by the neck snapping forward and backward during…
Roughly one in seven drivers on roads across the state carries no liability policy at all. According to a 2025 Insurance Research Council study, approximately 14% of all motorists nationwide lack coverage, and some estimates place the rate even higher…
The short answer is yes. And it happens far more often than most people realize. Perhaps you were stopped at a red light when someone bumped into you from behind. Maybe it was a gentle tap in a parking lot.…
Most people assume their own insurance company is on their side. That assumption tends to crumble pretty quickly once you file an uninsured motorist claim. Unlike a standard car accident where you pursue the at-fault driver’s carrier, a UM or…
After a car collision, cervical strain, commonly called whiplash, attracts as much skepticism from insurance carriers as cervical strain, commonly called whiplash. Adjusters treat these soft-tissue cases differently from broken bones or visible wounds, and the reasons are both financial…
