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How to File an Auto Accident Insurance Claim in Missouri?

Learn the essential steps for filing an auto accident insurance claim in Missouri and how a St. Louis car accident lawyer can assist you.

Navigating the aftermath of an auto accident in Missouri can be daunting, especially when it comes to filing an insurance claim. It’s important to understand the general steps involved in this process, keeping in mind that each situation may require a different approach. This guide aims to provide helpful information for those who find themselves in such a situation.

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Understanding Missouri’s Auto Insurance Laws

Missouri operates under a fault-based system for car accidents. This means that the driver who is found to be at fault for the accident is responsible for any resulting harm. Consequently, the injured party can file a claim with the at-fault driver’s insurance company.

Steps to File an Auto Accident Insurance Claim

  • Gather Necessary Information: Immediately after the accident, if you’re able to, collect as much information as possible. This includes the other driver’s name, contact information, insurance details, and the make and model of their vehicle. Taking photos of the accident scene, your vehicle, and any injuries can be crucial.
  • Report the Accident: Missouri law requires that you report any accident involving injury, death, or significant property damage to the police. Obtain a copy of the police report, as it will be an essential document for your insurance claim.
  • Notify Your Insurance Company: Even if you believe the other driver is at fault, it’s important to notify your own insurance company about the accident as soon as possible. Many policies require immediate reporting and full cooperation.
  • Consider Your Claim Options: You have the option to file a claim with your own insurance company (if you have the appropriate coverage) or the at-fault driver’s insurance company. Each option has its pros and cons, and the best choice depends on the specifics of your situation.
  • Document Your Losses: Keep detailed records of all your accident-related expenses. This includes medical bills, repair bills, and any lost wages due to the accident. These documents are vital for substantiating your claim.

Consult a St. Louis Car Accident Lawyer

Before engaging in discussions with any insurance adjusters, it’s wise to consult with a car accident lawyer in St. Louis. A lawyer can help you understand your rights and can provide guidance on how to proceed with your claim to ensure that your interests are adequately represented and protected.

When to Contact The Hoffmann Law Firm

If you’ve been involved in a car accident, it’s beneficial to speak with a legal professional who can offer guidance tailored to your specific circumstances. The Hoffmann Law Firm offers a free case evaluation to help you understand your options. They can assist you in navigating the complexities of filing an auto accident insurance claim in Missouri, ensuring that you are fairly compensated for your losses.

Contact The Hoffmann Law Firm for a free case evaluation if you’ve been in a car accident. Our team is dedicated to helping you through every step of the process, making sure your rights are upheld and your recovery is prioritized.

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Updated: December 7, 2023