No, Missouri does not use a no-fault insurance system. Instead, it operates under a traditional fault-based system, meaning that the driver who is determined to be at fault in an accident is responsible for covering the damages. In Missouri, drivers are required to carry liability insurance to cover potential costs associated with accidents they cause. This system allows injured parties to seek compensation from the at-fault driver’s insurance company, and if necessary, pursue additional damages through a lawsuit. Understanding Missouri’s fault-based insurance system is crucial for drivers to ensure they have adequate coverage and are prepared in the event of an accident.