Many people think they can handle their car accident claim in St. Louis, MO, on their own without legal help. Unfortunately, those who do often encounter unforeseen challenges. Trying to secure compensation without a car accident lawyer after a collision can be risky.
If you weren’t injured and the case involves only minor property damage, managing the claim without an attorney might be possible. However, if there are any complexities, seeking legal assistance from a car accident attorney in St. Louis is a worthwhile consideration.
Roach Law Car Accident Lawyers is here to help if complications arise in your case. Contact our law office today at (636) 519-0085 to schedule your free consultation.
How Roach Law Car Accident Lawyers Can Help You With Your St. Louis Car Accident Claim
Our St. Louis personal injury attorneys have over 30 years of combined legal experience and have secured hundreds of millions in compensation for our clients. We are confident we can help you achieve successful results as well.
By choosing Roach Law Car Accident Lawyers to represent you, you’ll receive comprehensive support for your car accident case.
You can expect us to:
- Review and gather essential evidence for your claim
- Evaluate the full extent of your damages
- Investigate the accident thoroughly to identify all responsible parties
- Handle all communications with insurance companies and opposing parties
- Submit your insurance claim
- Provide clear explanations of your legal rights during a free consultation
- Negotiate to secure fair compensation for you
- Take your case to court if a satisfactory settlement cannot be reached
Contact our experienced and compassionate attorneys for a free case review in St. Louis, Missouri today.
How To Handle Your Own Car Accident Claim in St. Louis, MO
Filing a car accident claim involves several important steps, including:
Seeking Medical Attention
It’s vital to receive immediate medical care, not only for your health but also to create a clear connection between any injuries and the accident through your medical records.
Reporting the Accident
In Missouri, you’re required by law to report a car accident if any of the following apply:
- A death occurred as a result of the accident
- Injury to any person, whether minor or serious
- Property damage exceeds $500
- The accident involves a driver who is uninsured
- The accident is a hit-and-run incident
Failing to report an accident under any of these circumstances could lead to fines, penalties, or other legal consequences. Following the reporting requirements is important to avoid jeopardizing your case or facing legal complications.
Documenting the Scene
Since accident scenes are often cleared quickly, it’s important to take photos of any damages and injuries, gather witness statements, collect evidence, and obtain details from the other driver. This can be difficult if you’re severely injured.
Establishing Liability
In Missouri, the at-fault driver or their insurer is responsible for covering a victim’s losses. This may involve reviewing traffic laws and proving the other driver’s negligence.
Determining Your Claim’s Value
Your compensation should cover economic damages, including medical bills, property damage, and lost wages. However, factors like future medical treatment, inability to work, and non-economic damages such as pain and suffering can complicate this process.
Resolving Medical Liens
If healthcare providers treat you before settlement, they may place a lien on your compensation, meaning they expect to be reimbursed for their services from the settlement or judgment you receive.
Negotiating With Insurance Companies
Insurance companies may deny claims or offer insufficient settlements, requiring careful negotiation.
Filing a Personal Injury Lawsuit If Necessary
If insurance negotiations fail, you may need to file a lawsuit to pursue fair compensation. Other options like mediation or arbitration may also be explored.
Given the complexity of these steps, it could be in your best interest to have an experienced car accident attorney in St. Louis handle them on your behalf.
Common Mistakes People Make When Handling Their Own Car Accident Claims in St. Louis
Many people who try to handle accident claims on their own face challenges that decrease their chances of receiving fair compensation.
Some common mistakes include:
Allowing the Insurance Company to Take Your Recorded Statement
Soon after an accident, insurance adjusters may request a recorded statement. These statements are often used to undermine the victim’s case and reduce or deny the claim.
Accepting an Early, Low-Ball Offer
Feeling pressured by medical bills and lost income, victims may be tempted to accept a quick settlement. However, settling before understanding the full extent of their damages or the long-term effects of the accident can be detrimental. Insurance companies often offer low settlements, knowing victims need immediate financial relief.
Taking “No” as a Final Answer
Claims are sometimes denied, but this shouldn’t be the end of the process. A denial should always be followed by further investigation to explore other options.
Believing the Insurance Company is Acting in Their Best Interest
Many victims mistakenly believe that insurance companies work for them, but insurers are motivated by profit and seek to minimize or deny claims.
Missing Critical Deadlines
In Missouri, you generally have five years from the date of the accident to file a lawsuit. Failing to meet this deadline could bar you from recovering compensation for your damages.
When Do You Need a St. Louis Car Accident Lawyer?
In some cases, having an attorney’s help is essential, especially when:
- You need to take time off work
- The opposing party denies liability
- The insurance company refuses your claim
- You’ve suffered significant injuries
- The insurance company holds you responsible for the accident
Roach Law Car Accident Lawyers is ready to assist with your case.
Contact Our St. Louis Car Accident Attorneys for a Free Consultation
In most cases, handling your car accident claim without a lawyer is not recommended. If someone else’s negligence has caused your injuries in an auto accident, Roach Law Car Accident Lawyers is here to assist you. At your free case evaluation, we’ll help you understand your legal rights and discuss your options.
Our St. Louis car accident attorneys work on a contingency fee basis, meaning you won’t owe any legal fees unless we recover compensation for you. Contact us today to learn more.
