What to Do if You Are Injured in an Accident in Missouri

Getting injured in an accident can be a traumatic experience, and knowing the right steps to take afterward is crucial for your health and legal rights. If you find yourself in this situation in Missouri, follow these guidelines to ensure your well-being and to protect your interests.

1. Seek Medical Attention
Above all, prioritize your health. Even if your injuries seem minor, it’s important to get a medical evaluation as some conditions may not be immediately apparent. Go to the nearest hospital or urgent care facility, and ensure that your injuries are documented by healthcare professionals.

2. Document the Accident Scene
If you are able, take pictures of the accident scene. Capture details like vehicle positions, any relevant road signs, weather conditions, and any visible injuries. Collect contact information from witnesses and other parties involved. This evidence can be invaluable in supporting your case later.

3. Report the Accident
In Missouri, you are required to report accidents that result in injuries or property damage exceeding $500 to the local law enforcement agency. Be sure to file an official report, as it can help establish a legal record of the incident.

4. Contact Your Insurance Company
Notify your insurance provider about the accident as soon as possible. Be prepared to provide detailed information about the incident, including police reports and photographs. Avoid making definitive statements or admitting fault until you have consulted with an attorney.

5. Consult an Attorney
It is wise to consult with a personal injury attorney, especially if your injuries are severe or if liability is contested. An experienced attorney can guide you through the legal process, help gather necessary evidence, file claims, and negotiate with insurance adjusters on your behalf.

6. Keep Records and Documentation
Maintain an organized file of all documents related to the accident, including medical records, treatment plans, receipts for medical expenses, and any correspondence with insurance companies. This documentation is crucial for any potential lawsuits and settlement negotiations.

7. Follow-Up with Your Healthcare Providers
Complete all recommended medical treatments and follow any prescribed rehabilitation protocols. Consistency in treatment not only aids your recovery but also strengthens your legal case by showing that you took your injuries seriously.

8. Understand Missouri’s Comparative Fault Rule
Missouri follows a "pure comparative fault" rule, which means that your compensation can be reduced by your percentage of fault in the accident. It’s essential to fully understand how this may impact your claim and potential recovery.

9. Be Cautious with Social Media
Avoid posting about the accident or your injuries on social media platforms. Insurance companies often look for opportunities to discredit your claim, and anything you post could potentially be used against you.

10. Know Your Statute of Limitations
In Missouri, you generally have five years from the date of the accident to file a personal injury lawsuit. However, this timeframe can vary based on specifics of the case, so it’s crucial to consult with a legal expert to ensure you don’t miss any critical deadlines.

Being involved in an accident is challenging, but following these steps can help you navigate the aftermath effectively. It’s essential to act quickly and thoughtfully to secure your health, rights, and the possibility of recovery. Remember, seeking professional counsel is a key component in protecting your interests in the wake of an accident.