Craig J. Concannon, Owner of Law Firm Craig Concannon, P.C.

What Happens If Your Teen Is at Fault in a Car Accident in Missouri?

July 01, 20261 min read

What Happens If Your Teen Is at Fault in a Car Accident in Missouri?

Handing your teenager the keys to a car is a major milestone, but it also comes with significant responsibility. If your teen causes a car accident in Missouri, you may be wondering who is financially responsible and what happens next.

Teens driving on local streets or highways

Missouri follows a fault-based insurance system, meaning the driver who causes the accident is generally responsible for the damages. If your teen is driving your vehicle with your permission, your auto insurance policy will typically provide coverage up to your policy limits. However, if the damages exceed your coverage, additional financial consequences may arise depending on the circumstances.

It's also important to remember that a teenager who receives a traffic citation after an accident may face increased insurance premiums, points on their driving record, or even license restrictions for serious violations.

If your family is dealing with the aftermath of a car accident involving a teen driver, understanding your legal rights and insurance obligations is essential. An experienced Missouri personal injury attorney can help answer your questions, protect your interests, and guide you through the claims process.

If you have questions about a car accident in Missouri, contact Craig J. Concannon, P.C. for a free consultation.

Disclaimer: This blog is for informational purposes only and does not constitute legal advice. Every case is different. The choice of a lawyer is an important decision and should not be based solely on advertisements.


Craig Concannon, Esq.

Craig Concannon, Esq.

Craig J. Concannon is a licensed attorney in Missouri, Illinois, and Alabama. He completed his undergraduate studies in Accounting at St. Louis University, where he graduated with honors. Then in 1996, he graduated with honors from St. Louis University Law School, became an editor for the St. Louis University Public Law Review, and was a published author. After law school, Craig worked as a clerk at the Missouri Court of Appeals, where he gained more experience as a lawyer. He then started working in a private practice, where he gained experience by working on a variety of cases and representing a plethora of clients. One of those cases gained attention and became a front-page article in the June 7, 2002 issue of Missouri Lawyers Weekly. This was because he had managed to obtain favorable results for his client in a civil lawsuit against a major investment firm. In another case, Craig represented a client in a criminal case. It went on to become an article on the St. Louis Post Dispatch Newspaper since he was able to secure the defendant's release from a federal correctional institution solely because he detected that a testimony given by a St. Louis City Police Officer had been fabricated. In December 2009, Craig went on to represent a client in a commercial litigation matter and was up against many governmental entities. This case made its way to the St. Louis Business Journal, and he eventually featured in a St. Louis radio show, called KMOX, in January 2010. On September 12, 2010, yet another of Concannon's cases found its way to print, as an article on the front page of Missouri Lawyers Weekly. The article reported on a case in which he represented a client who had been convicted in an alleged multi-million dollar, multi-national ponzi scheme. As the years went by, Craig J. Concannon gained more experience as a successful lawyer. Many of his cases even resulted in five published decisions in the United States Court of Appeals for the Eighth Circuit. He's also represented several criminal defendants in over a hundred federal criminal cases in the United States District Court for the Eastern District of Missouri. As an attorney with over 20 years of experience, Concannon's desire and passion to help his clients - especially those injured in accidents - has only increased. That's why he decided to start this law firm - in order to help people to the best of his ability.

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