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Missouri driving lesson · Insurance, Vehicles & Distracted Driving

Traffic crashes and accident reports

A 3-minute lesson from the Missouri course. Read the rules and examples, follow the handbook page references, and check your understanding before you move on.

Read time
3 minutes
Course unit
Insurance, Vehicles & Distracted Driving
Checkpoint questions
4
Source pages
83, 84

Careful driving lowers your crash risk, but nothing can prevent every crash. Leaving the scene is a crime, even if you hit a parked car. Know the steps, get minor-crash vehicles out of traffic, and know when a report is required.

Traffic crash

When you injure yourself or someone else, or damage property, while driving your vehicle.

Handbook p. 83 ↗

If you're in a crash:

  • STOP; move your vehicle off the road if possible, especially if it may cause other crashes
  • Help anyone hurt; keep them comfortable but don't move them; call an ambulance
  • Call the police
  • At night or in bad weather, warn traffic with flares, reflectors or flashlights
  • Stay until a law enforcement officer says you may leave
  • Contact your insurance company as soon as possible, even if the crash wasn't your fault
Handbook p. 83 ↗

Exchange with everyone involved:

  • Name and address
  • Driver license number, vehicle identification number (VIN) and license plate number
  • Name of your insurance company and policy number
Handbook p. 83 ↗

Know the rule

"Steer It and Clear It" (the "Move It" law): after a minor crash with no injuries, move your vehicle onto the shoulder or another spot off the roadway.

Handbook p. 83 ↗
4 minutes

Every minute a vehicle blocks a freeway lane backs up approaching traffic for this long

Handbook p. 83 ↗
18%

Share of Missouri traffic fatalities caused by secondary crashes

Handbook p. 83 ↗
30 days

Deadline for filing a required accident report with the Department

Handbook p. 83 ↗

You must report to the Driver License Bureau if ALL are true:

  • The accident happened in Missouri
  • It happened less than one year ago
  • Someone involved had no liability insurance
  • Property damage over $500 to any one person, or any injury or death
Handbook p. 83 ↗

Know the rule

This applies even if the accident was in a parking lot or a settlement was made. Use a Motor Vehicle Accident Report (Form 1140), and mail or fax it to the Department.

Handbook p. 83 ↗

Know the rule

If damage was $500 or less with no injury or death, you may still file if an uninsured motorist was involved. The Department can act only against the uninsured motorist, for not keeping insurance.

Handbook p. 84 ↗

Know the rule

Striking a highway worker or emergency responder in a designated construction, work or emergency zone may lead to revocation of your driving privilege.

Handbook p. 84 ↗

Put it into practice

You bump another car in a parking lot: no injuries, $900 damage, and the other driver has no insurance. You must file an accident report with the Driver License Bureau within 30 days, even though it happened off the street.

Check your understanding

Read the question, decide on an answer, then open it to check the explanation. These are Roadwise study questions based on the source handbook.

When an accident report is required, within how many days must it be filed with the Department?
  1. 10 days
  2. 30 days
  3. 60 days
  4. 15 days

Answer: 30 days

State law requires the accident report to be filed within 30 days.

Handbook p. 83 ↗
After a minor freeway crash with no injuries, what does Missouri's "Steer It and Clear It" law require?
  1. Leave vehicles in place for police
  2. Stay in your car until a tow arrives
  3. Move your vehicle off the roadway
  4. Set flares and wait in the lane

Answer: Move your vehicle off the roadway

Vehicles in minor, non-injury crashes must move onto the shoulder or another spot off the roadway to prevent secondary crashes.

Handbook p. 83 ↗
An uninsured driver was involved in a crash. Above what amount of property damage must the accident be reported to the Driver License Bureau?
  1. $1,000
  2. $250
  3. $1,500
  4. $500

Answer: $500

A report is required when an uninsured driver was involved and damage to any person's property exceeds $500, or there was injury or death.

Handbook p. 84 ↗
After a crash, you should stay at the scene until a law enforcement officer says you may leave.
  1. True
  2. False

Answer: True

The guide's crash steps include staying until a law enforcement officer says you may leave.

Handbook p. 83 ↗
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