A car accident is truly a terrifying experience. It leaves you shaken and unsure of what to do next. This is certainly the case in a bustling city like St. Louis.
Amidst the chaos, it’s crucial to understand your legal rights and take prompt action to safeguard your interests. Knowing what measures to take can make a major difference in protecting your legal rights. It will help you secure the benefits you deserve and ensure fair treatment.
The Trailnet 2023 Crash Report reveals over 14,360 individuals reported crashes across the St. Louis region. These accidents resulted in 112 fatalities, whereas at least 14,280 people were injured. Compared to 2022, the number of crashes and deaths decreased slightly from 2022, whereas, the number of injured people increased by a few decimals.
This uptick highlights the growing risks on the St. Louis roads. It further emphasizes the need to understand your legal rights and act promptly after an accident. Failing to protect your legal rights can have severe consequences, including financial burdens and difficulties in obtaining fair compensation.
This guide will walk you through the steps after a car accident in St. Louis, helping you understand the legal process and protect your interests.
Immediate Actions at the Accident Scene
First and foremost, prioritize safety. Move your vehicle to a safe place, if feasible. Then, check everyone involved for any injuries.
Call 911 to report the situation and arrange medical help. Even if the accident seems insignificant, an official statement can be handy in due time.
After ensuring everyone’s well-being, record the crash site. Jot down the accident’s specifics: the exact time, location, weather details, and any eyewitnesses present. If you have a smartphone, snap photos of the scene – vehicle damage, skid marks, traffic signs – as this visual evidence can prove invaluable later.
Also, exchange contact and coverage info with the involved parties. Avoid discussing fault at the scene, even if you believe the accident was your mistake. Apologies, or admissions of guilt, even casual ones, can be used against you later.
Seeking Medical Attention
Don’t delay seeking medical care, even if you feel fine. Some injuries don’t reveal symptoms right away. A thorough medical evaluation identifies hidden issues. It also formally records your injuries, reinforcing your compensation claim.
If the crash wasn’t your doing, consult St. Louis personal injury lawyers as early as possible. They can assist you with legal strategies and protect your rights from the onset.
Ensure you are diligent in following your doctor’s orders. Keep all appointments, take prescribed medications, and adhere to recommended treatments. This demonstrates your commitment to recovery and can prevent conflicts over the nature of your injuries.
Furthermore, keep meticulous records of all medical expenses. This includes bills, receipts for medications, transportation expenses to appointments, and any other costs related to your medical care.
Dealing with Insurance Companies
Report the incident to your insurance provider ASAP. However, TorHoerman Law suggests being cautious when talking to insurance agents. Their key purpose is to minimize payouts, so seek legal advice before giving any recorded statements or signing releases.
Moreover, be mindful of initial settlement offerings. These offers may seem promising, particularly if you’re facing monetary issues due to medical bills or lost wages. However, they often need to cover the full extent of your damages.
Many St. Louisans find that working with an experienced lawyer gives them the best chance to receive fair compensation.
Protecting Your Rights Throughout the Process
Organize and maintain a detailed file of all accident-related documents. This includes the police report, medical records, repair estimates, insurance records, and other relevant paperwork.
Be mindful of deadlines. In Missouri, you have no more than five years from the moment of the accident to launch a lawsuit. This is referred to as the statute of limitations. It differs for every state. Failing to register a claim within this period may forfeit your right to demand compensation. There are certain exceptions to this, such as cases involving minors, governing entities, fraud, or at-fault drivers leaving the state.
While there are certain exceptions to this case, consulting a legal professional will better help you understand the specific deadlines. It also means you won’t miss any vital windows. Moreover, remember, you have options.
Missouri follows a pure comparative negligence pattern. This means you can receive compensation even if you were at fault for the accident. However, you’ll only receive compensation after deducting your fault percentage. For instance, if you were 5% to blame for the crash, your payout would be deducted by 5%.
Understanding how fault is determined can help you manage your case efficiently. If negotiations with insurance companies stall or liability is disputed, you can pursue legal action. A qualified legal advisor can help you through this process and fight for your best interests.
Frequently Asked Questions
Q1. What Compensation Can I Seek After a Car Accident in St. Louis?
You may be eligible for monetary losses like medical expenses, lost wages, and property damage. You can also receive non-financial damages for mental and emotional trauma and reduced life satisfaction. An experienced lawyer can help identify the full extent of your damages and push for the highest possible payout you deserve.
Q2. What if I’m Unable to Hire a Lawyer?
Many personal injury lawyers follow the contingency fee model. That is, they only get compensated if you win your lawsuit. This allows you to get top-notch legal help without investing anything upfront. The lawyer’s fee is usually a fraction of the settlement. This makes it easier to pursue your claim without financial strain.
Q3. What Should I Avoid Telling an Insurance Agent Following a Car Accident?
Avoid admitting fault, speculating about details, or downplaying your injuries. Stick to the facts and refer any detailed questions to your lawyer. Saying too much or providing incorrect information can harm your claim and reduce your chances of getting fair compensation. Always consult your lawyer before making any statements.
To summarize, handling the aftershocks of a car accident in St. Louis can be daunting. To safeguard your civil rights and financial interests, follow the above-mentioned proactive measures.
Consulting an experienced St. Louis personal injury lawyer ensures you receive the assistance and justice you deserve. Remember, being up-to-date and proactive is crucial to safeguarding your interests and achieving a fair result.
