Slow down. The purpose of insurance is to cover anyone who is injured when a driver causes an accident. So, your first step will be to file a claim against the driver's insurance company. If the insurance company behaves responsibly and offers you a fair settlement, you may not need to file a lawsuit.
However, if the insurance company refuses to cover your medical expenses and other losses, you may no choice but to file a lawsuit. Although you are requesting insurance compensation, it is the at-fault driver that must be sued. However, compensation for your Missouri accident injuries will come from his insurance carrier. If you don't file a lawsuit, only the insurance company benefits.
Do you have additional questions about personal injury compensation in Missouri? Contact Kansas City Accident Injury Attorneys at 888-348-2616. Our accident lawyers in Kansas City, MO offer free consultations to Missouri accident victims.