Getting into a car accident is one of the most stressful things that can happen to you, even a minor fender bender can leave you shaken and unsure of what to do next. If you’ve recently been in an accident in Missouri, take a breath. Here’s a clear, step-by-step guide to help you get through it.
1. Make Sure Everyone Is Safe
Your first priority is safety, not your car. If you can, move your vehicle out of traffic and turn on your hazard lights. Check yourself and your passengers for injuries. If anyone is hurt, call 911 immediately. Don’t try to move someone who may have a neck or back injury.
2. Call the Police
In Missouri, you’re required to report an accident if it results in injury, death, or property damage over $500. Even for smaller accidents, having an official police report can make the insurance process much smoother. When the officer arrives, give an honest account of what happened and get a copy of the report number.
3. Document Everything at the Scene
While you wait for help to arrive, if it’s safe to do so:
• Take photos of all vehicles involved, the damage, and the surrounding area
• Exchange insurance and contact information with the other driver
• Get names and contact info from any witnesses
• Note the time, location, road conditions, and weather
4. Notify Your Insurance Company
Contact your insurance provider as soon as possible, ideally the same day. Let them know what happened and share the photos and police report number. Missouri is a “fault” state, meaning the driver responsible for the accident is generally responsible for damages. Your insurer will help guide you through the claims process.
5. Get Your Vehicle Assessed by a Trusted Body Shop
Once you’ve filed your claim, you’ll need to get an estimate for repairs. You have the right to choose your own repair shop in Missouri, you’re not required to use one recommended by your insurance company. Choosing a local, independent shop means working with people who know your community, communicate clearly, and take the time to do the job right.
? Pro Tip: Even if your car looks fine, it’s worth having it inspected after a collision. Structural damage isn’t always visible to the naked eye and can affect your safety down the road.
You Don’t Have to Figure This Out Alone
Accidents are overwhelming, and the paperwork and repair process can feel like a second headache on top of everything else. That’s why having a reliable local body shop in your corner makes all the difference.
Bailey Brothers Collision Repair in Brookfield, MO is here to help. Call (660) 258-5005 for a free estimate.
We’ll work with your insurance company, keep you updated every step of the way, and get you back on the road as quickly as possible.
