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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:

Mail completed forms to:

Driver License Bureau
301 West High Street - Room 470
PO Box 200
Jefferson City MO 65105-0200

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. You may pay your reinstatement fee online at mydmv.mo.gov using the following credit/debit cards: Visa®, MasterCard®, Discover®, and American Express®.

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. You may pay your reinstatement fee online at mydmv.mo.gov using the following credit/debit cards: Visa®, MasterCard®, Discover®, and American Express®.

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. You may pay your reinstatement fee online at mydmv.mo.gov using the following credit/debit cards: Visa®, MasterCard®, Discover®, and American Express®.

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:

Driver License Bureau
301 West High Street - Room 470
PO Box 200
Jefferson City MO 65105-0200

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:

Administrative Hearing Section
301 West High Street - Room 470
PO Box 3500
Jefferson City MO 65105-3500

Still need help? You can also submit your driver licensing questions to our staff by e-mail. Your e-mail will be forwarded to the appropriate area for reply. Some inquiries can be responded to more quickly than others depending on the issue and amount of time needed for research. Please make sure your computer will accept our e-mail response.