Accident Information

• What to do When Involved in an Accident
• Filing an Accident Report
• Notice of Suspension
• Suspension for Failing to Maintain Insurance - Accident Involved
• Suspension for Failure to Pay for Damages for Which You are Liable
• Request for Hearing
• Mandatory Insurance Questions & Answers

What to do When Involved in an Accident

YOU MUST STOP if you are involved in an accident. Leaving the scene of an accident is a crime. Move your vehicle if it may cause other drivers to have an accident. Otherwise, do not move your vehicle until a law enforcement officer tells you to.

• Help anyone who is hurt.
• Contact the police.
• Use flares, reflectors, or flashlights if the accident happened at night or in bad weather to warn other traffic.
• Exchange name, address, driver license number, vehicle identification, license plate number, name of insurance company, and policy number with everyone involved.
• Do not leave the accident until a law enforcement officer tells you that you may.

Filing an Accident Report

Statutory reference: Section 303.040, RSMo.

You must report accidents that happen in Missouri to the Driver License Bureau if:

• The accident happened less than one year ago,
• The accident involved an uninsured motorist, AND
• The accident caused property damage costing more than $500, or someone was injured or killed.

NOTE: If the accident did not cause $500 in property damage or personal injury or death, you may still file an accident report if there was an uninsured motorist involved. The bureau will only be able to take action under Section 303.041 (see below).

You can get a Motor Vehicle Accident Report form from:

• This website, Motor Vehicle Accident Report (Form 1140);
• Your insurance company;
• The Driver License Bureau; and/or
• Any license office.

Mail completed forms to:

Notice of Suspension

Statutory reference: Section 303.041, RSMo.

If the Director of Revenue determines that the operator or owner of a motor vehicle involved in an accident has not maintained liability insurance, the operator or owner, or both, will be mailed a Notice of Suspension. The notice will include the reason for suspension, effective date of suspension, and the procedure to request a hearing.

Suspension for Failure to Maintain Insurance – Accident Involved

Statutory references:  Section 303.042 through 303.044, RSMo.

If your driving privilege and/or license plates are suspended for not having insurance and an accident was involved, the following suspension periods will apply:

• 1st suspension = 0 days
• 2nd suspension = 90 days
• 3rd suspension = 1 year

After the driver and/or owner serves the period of suspension, his or her driver license/license plates can be reinstated if the Driver License Bureau receives the following:

1st suspension

• Proof of liability insurance. The most commonly used proof of insurance is an SR-22 filing. It must be kept for three years from the date you are eligible to reinstate.
• $20 reinstatement fee. Money order or personal check is acceptable. Please include your full name, date of birth, and driver license number.

2nd suspension

• Proof of liability insurance. The most commonly used proof of insurance is an SR-22 filing. It must be kept for three years from the date you are eligible to reinstate.
• $200 reinstatement fee. Money order or personal check is acceptable. Please include your full name, date of birth, and driver license number.

3rd or subsequent suspension

• Proof of liability insurance. The most commonly used proof of insurance is an SR-22 filing. It must be kept for three years from the date you are eligible to reinstate.
• $400 reinstatement fee. Money order or personal check is acceptable. Please include your full name, date of birth, and driver license number.

Suspension for Failure to Pay for Damages for Which You are Liable

Statutory references: Sections 303.030 and 303.042, RSMo.

If you are at fault for the accident and do not pay for the damages, your driver license and/or license plates will be suspended for one year. Your driver license and/or license plates can be reinstated within the one-year period provided you pay a $20 reinstatement fee and send proof to the Driver License Bureau that you have settled the accident loss.

Mail to:

Request for Hearing

Statutory reference: Section 303.290, RSMo.

If a hearing request is received before the suspension begins, the suspension(s) will be placed on hold until a final order is issued following a hearing. Mail your request to: