What to Do After an Accident in Missouri
Experiencing an accident can be a traumatic event, leaving you confused and unsure of what steps to take next. In Missouri, knowing the right actions to follow can significantly impact your well-being and any potential claims for damages. Here’s a comprehensive guide on what to do after an accident in Missouri.
1. Ensure Safety First
Your immediate priority after an accident should be the safety of everyone involved. If it is safe to do so, move your vehicle to the side of the road to prevent further collisions. Turn on your hazard lights to alert other drivers.
2. Check for Injuries
Assess yourself and others involved for any injuries. If anyone requires immediate medical attention, call 911 for help. Even if injuries seem minor, it is wise to seek medical evaluation to rule out hidden injuries.
3. Call the Police
In Missouri, it is mandatory to report any accident that results in injury, death, or property damage over $500. When the police arrive, provide them with accurate details about the accident. Obtain a copy of the accident report for your records, as it may be needed for insurance claims.
4. Gather Information
Collect vital information at the scene. This includes:
- Names and contact information of all drivers and passengers.
- Insurance information from all involved parties.
- License plate numbers of the vehicles.
- Witness contact information, if available.
- Photos of the accident scene, vehicle damage, and any visible injuries.
5. Don’t Admit Fault
Be cautious with your statements at the scene. Even if you believe you may have contributed to the accident, avoid admitting fault or making any statements that could be construed as liability. Stick to discussing the facts with the police.
6. Notify Your Insurance Company
As soon as possible, contact your insurance provider to report the accident. Provide them with all the necessary information and follow their instructions regarding the claims process. Be aware of your policy's coverage and the deadlines for filing a claim.
7. Document Everything
Maintain a detailed record of all information pertaining to the accident. This includes medical records, repair estimates, and correspondence with your insurance company. Keeping meticulous documentation can be invaluable if disputes arise later.
8. Seek Legal Advice
If there are significant injuries, disputes over fault, or complex insurance claims, consider consulting with a personal injury attorney who is knowledgeable about Missouri laws. They can help you navigate the legal landscape and ensure your rights are protected.
9. Monitor Your Health
After an accident, it is essential to monitor your health continuously. Some injuries may not present symptoms immediately. Keep track of any new pain or discomfort and seek medical treatment as necessary.
10. Follow Up on Claims
Stay proactive in following up with your insurance claim and ensure all relevant documents are submitted promptly. Regularly communicate with your insurer and attorney (if you hired one) to stay informed about the progress of your case.
Conclusion
Dealing with the aftermath of an accident can be overwhelming. However, being prepared and knowing the necessary steps to take can ease the process. Always prioritize safety, seek legal counsel when needed, and keep records of everything related to the accident. Being informed and proactive is key to achieving a fair resolution.