Missouri’s Insurance Law 303.390: What Every Driver Needs to Know
Missouri’s new insurance law, Section 303.390, changes how uninsured drivers can seek compensation after a car accident. Since October 11, 2013, this law limits recovery for uninsured motorists, preventing them from claiming noneconomic damages such as pain and suffering, emotional distress, and loss of quality of life—even when the accident wasn’t their fault.
If you drive in Missouri, knowing this law can help you protect your rights after a crash.
What Does Missouri’s Insurance Law 303.390 Do?
The law blocks uninsured drivers from collecting noneconomic damages when an insured driver causes an accident. Here’s what that means:
✔️ No insurance? You can only recover economic damages like medical bills, lost wages, and property damage.
✔️ You can’t claim compensation for pain and suffering, emotional distress, or loss of enjoyment of life.
Example: An uninsured driver suffers severe injuries in a crash. They may receive payments for hospital bills and car repairs but won’t receive compensation for long-term pain or trauma.
Are There Exceptions to the Law?
Yes. Uninsured drivers may still pursue noneconomic damages if:
The at-fault driver was under the influence of drugs or alcohol.
The at-fault driver faced conviction for involuntary manslaughter or second-degree assault.
The uninsured driver recently lost coverage due to nonpayment, but the insurer failed to provide a cancellation notice at least six months before the accident.
A passenger in the uninsured vehicle suffered injuries. This law does not limit a passenger’s right to full compensation.
What This Means for Missouri Drivers
Missouri now follows a “pay to play” rule. If you want full compensation after an accident, you must carry insurance. Without it, your ability to recover damages remains limited, even if the accident wasn’t your fault.
Avoid unnecessary risks—make sure you have valid auto insurance!
How Mutrux Firm Injury Lawyers Can Help
At Mutrux Firm Injury Lawyers, we know how difficult dealing with insurance claims can be—especially with laws that restrict compensation. Our team in St. Louis and Columbia fights to ensure accident victims receive the maximum possible recovery.
A lawyer’s reputation speaks volumes about their ability to handle cases effectively. Whether you need legal representation for a personal injury claim, medical malpractice, or any other legal matter, choosing an attorney with a proven track record is essential. Reading online reviews, client testimonials, and industry recognitions can help you gauge a lawyer’s credibility. Tyson Mutrux has established himself as a highly respected attorney in Missouri, earning a 10.0 Superb rating on Avvo and recognition from Expertise as one of the Best Medical Malpractice Lawyers in St. Louis (2020). He has also been honored by The National Trial Lawyers’ “Top 40 Under 40”, reflecting his dedication to securing the best possible outcomes for his clients. His strong communication, attention to detail, and history of satisfied clients are evident in his numerous positive Google reviews.
✅ We help clients understand Missouri’s insurance laws
✅ We fight for fair compensation, whether you have insurance or not
✅ We handle negotiations with insurance companies so you don’t have to
If an accident caused injuries to you or a loved one, don’t handle it alone. Call us at (314) 270-2273 or schedule a free case evaluation today.