Missouri Personal Injury Law: What to Do After an Accident

Missouri personal injury law can be complex, especially after experiencing an accident. Understanding the steps to take following an incident is essential for protecting your rights and ensuring you receive the compensation you deserve. This article outlines what to do after an accident in Missouri, covering everything from seeking medical attention to filing a claim.

1. Seek Medical Attention
After any accident, your health should be the top priority. Even if injuries seem minor, it is important to seek medical treatment as some injuries may not manifest symptoms immediately. Visiting a healthcare professional not only ensures your well-being but also creates a documented record of your injuries, which can be crucial for your personal injury claim.

2. Document the Scene
If you are able, gather as much information as possible at the scene of the accident. This includes taking photographs of the accident site, vehicles involved, and any visible injuries. Collect contact information from witnesses, and note down details such as the time, date, and weather conditions. This documentation can support your case later on.

3. Report the Accident
In Missouri, it is usually required to report accidents involving injuries or significant property damage to law enforcement. Ensure that a police report is filed and obtain a copy for your records. The report may be necessary for any insurance claims or legal proceedings that follow.

4. Contact Your Insurance Provider
Notify your insurance company about the accident as soon as possible. Provide them with the essential information, but be cautious about giving recorded statements without first consulting a personal injury attorney. Insurance adjusters may use your statements against you, so it is wise to understand your rights before speaking to them.

5. Consult with a Personal Injury Lawyer
Hiring a personal injury lawyer can significantly bolster your case. An experienced attorney can guide you through the legal process, help assess the value of your claim, and advocate for your interests. In Missouri, personal injury cases often operate under a 'modified comparative negligence' rule, which affects how compensation is determined based on the degree of fault. A lawyer can help you navigate these complexities.

6. Keep Detailed Records
Please keep detailed records of all expenses related to the accident, including medical bills, repair costs, lost wages, and any additional expenses incurred due to your injuries. This information is vital when seeking compensation and demonstrates the full impact the accident has had on your life.

7. Be Prepared for Negotiation
After you file your claim, the insurance companies may initiate negotiations. Be prepared for this and understand that initial offers may be lower than what you deserve. Your attorney can help negotiate a fair settlement on your behalf, ensuring that all aspects of your damages are considered.

8. Understand the Statute of Limitations
In Missouri, the statute of limitations for filing a personal injury claim is typically five years from the date of the accident. Failing to file within this period can result in losing your right to compensation. It is crucial to act promptly to ensure all legal deadlines are met.

In conclusion, if you find yourself involved in an accident in Missouri, understanding personal injury law and knowing the steps to take can make a significant difference. By prioritizing your health, documenting the event, seeking legal advice, and keeping thorough records, you can safeguard your rights and increase your chances of receiving a favorable outcome.