Frequently Asked Questions About Car Accident Claims In St. Louis
After a car accident in Missouri or Illinois, you may be wondering what to do next. Do you call your insurance company immediately? Do you have to talk to the police first? It is only natural to have a lot of complex questions about your situation. Here are answers to some of these concerns.
What should I do after a car accident?
The actions you take after a collision can directly impact your safety and the legal viability of a potential claim. Follow these steps:
- Check for injuries: If you are badly hurt, call 911 to get medical assistance as soon as possible. If there are only minor injuries, you can visit a hospital after leaving the scene.
- Get the other driver’s information: Exchange names, contact details, driver’s license numbers and auto insurance policy information before leaving.
- Document the scene of the crash: Take clear photographs of the scene and any damage or injuries.
- Make a police report: Talk to law enforcement officers and file an official accident report.
- Talk to an attorney: Seek professional legal help before speaking to insurers.
Taking these steps immediately establishes a verified record of the incident.
How long do I have to file a lawsuit after a vehicle collision in Missouri?
The general statute of limitations for personal injury lawsuits is five years from the date of the crash.
What happens if I was partially at fault for a rear-end crash?
Missouri follows a pure comparative negligence rule. You may still recover compensation even if you share fault, but the total financial payout is reduced by your exact percentage of blame.
Is it bad to settle early?
Yes. Accepting early settlement offers waives your right to future claims if hidden or delayed injuries surface later.
Should I provide a recorded statement to the other driver’s auto insurance company?
No. Adjusters may use recorded statements to find inconsistencies and minimize payouts. You have no legal obligation to provide these statements to the at-fault driver’s carrier.
What should I do if my insurance company denies my claim?
Request a formal, written denial letter detailing the specific policy text the carrier used to reject the claim. A personal injury attorney can challenge wrongful corporate interpretations.
How do I know what my Missouri insurance policy covers?
Review the policy’s declarations page, which outlines coverage limits for liability, uninsured motorist (UM) and underinsured motorist (UIM) coverage. The accompanying policy booklet contains the exclusions that narrow these limits.
What are the signs that my insurance company is responding to my claim in bad faith?
Signs include unreturned calls, extreme delays, repeatedly demanding duplicate paperwork or offering a low settlement without conducting a proper, timely investigation.
Discuss Your Case With A Personal Injury Lawyer Today
Talk to me today to understand the available legal options you have after a car accident in St. Louis or a nearby community in Missouri or Illinois. Contact The Summary Law Firm at 314-673-1475 or complete this form to set up a free consultation.