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Car Accident Claims

Should You Try Handling Your Own Car Accident Claim?

June 4, 2019 by Christopher

Many car accident victims think about representing their own case, particularly if they believe the accident was fairly straightforward.

st. louis car accident scene

After a St. Louis car accident, you may want to file an insurance claim to get compensated for your injuries and damages. If the accident wasn’t your fault, it only makes sense to hold the person responsible liable, right?

A lot of victims think about the option of representing their own case, particularly if they believe the accident was fairly straightforward. However, that would be a mistake and a costly one at that.

Why You Shouldn’t Represent Yourself

Think about you and your knowledge before you start filing insurance claims:

  • How familiar are you with Missouri traffic laws?
  • How well do you know how insurance companies operate, and how the claims process goes?
  • What do you need to build a compelling case?

You need to have a good understanding of Missouri law to be able to represent yourself. Even if you think the case seems easy, and the other driver agrees they were at-fault, you generally won’t be dealing with them directly – you’ll be dealing with insurance adjusters.

As such, you’re at a disadvantage right from the beginning. Adjusters know the law and the process for awarding compensation. If you go through this process by yourself, they can legitimately assume you lack this knowledge and try to use it against you.

In fact, if you choose to go through this process without a lawyer, you are effectively giving the insurance company good news. For them, this entire process is a business transaction, and the only way for them to come out on top is by giving you the least amount of compensation possible.

Because of your lack of experience, you may not even know how much compensation you should rightfully get, which gives insurance adjusters the opportunity to offer a low-ball deal. And the chances that you’ll take it are extremely high.

Why You Should Work with a Lawyer

A good St. Louis car accident lawyer increases your chances of getting properly compensated tremendously. For one thing, they have enough experience with these types of cases to know how much you should receive based on your injuries, damages, and other details of the case, and actively negotiate for it with the insurance company.

An experienced lawyer can help make sure your rights are protected. You may wish to skip hiring one because you’re afraid of lawyer fees, but know that most personal injury lawyers work on a contingency. As such, it is also in their interest to get you the highest amount possible.

Schedule a FREE Consultation


At this time, you should focus on healing and getting over this incident, not trying to make sense of the intricacies of insurance claims. If you’re looking to be compensated, reach out to a St. Louis car injury attorney to discuss all your legal options. Based on your case, they can point out the best course of action you should take. Give us a call today at (314) 361-4242.

Filed Under: Blog Tagged With: Car Accident Claims

What to Do If Your Auto Accident Injury Claim Was Denied

April 17, 2019 by Christopher

Though it can be frustrating, it is important not to panic if your car accident injury claim has been denied.

If you’ve been the victim of a car accident, one thing you can do is file an injury claim and hope you’ll receive some financial aid to cover all your medical expenses.

These claims often go through the other driver’s insurance companies. Another solution would be to sue the other driver in civil court, but that process generally only happens when gross negligence is involved. And when you’re dealing with insurance adjusters, particularly if you’re on your own, you may be hit with this frustrating conclusion: your claim has been denied. What should you do now?

claim denied

Why the Claim Was Denied

The insurance company must give you a reason for why they denied your claim. Some common reasons can include:

  • Claiming their policyholder did not cause the accident;
  • Use any detail of the accident to invoke policy exclusions
  • Claim no coverage existed at the time of the accident, because the premium was not paid;
  • Claim they did not have time to investigate the accident because the policyholder did not notify them in due time.

It’s important not to panic if your claim is denied. Yes, it can be a very frustrating thing to hear, particularly when the medical bills are piling up and you have no way of paying them on your own. There is a way to ensure your legal rights are protected. Speak with an experienced St. Louis car accident attorney.

How to Appeal

There are two ways to proceed here. First, you can go back to the insurance company and file an appeal, since most already have such a system in place. If you have a lawyer with you, they can refute any counter-argument made by the insurance company to deny your claim by bringing up the facts and evidence of the case.

If you get nowhere with the insurance company, you can also go to arbitration, where each party will present their side and an impartial third party will rule on the dispute.

Insurance companies will often try to avoid paying these claims, and because of this, it’s vital to work with a lawyer. Through their experience, they can even tell if the company is acting in bad faith, and recommend filling a suit for improper claims practice. This can show the company you’re serious about your claim, and it may convince them to start negotiating.

Even if they do not, your lawyer can represent your case in court. If they provide a convincing argument, the judge will rule in your favor and the company will have to approve your claim and possibly pay a fine for improper claims practice.

FREE Legal Advice 24/7


You’re chances of success skyrocket if you work with a St. Louis car accident attorney, even if it’s to appeal a denied injury claim. Reach out to one now and discuss your case with them.

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Filed Under: Blog Tagged With: Car Accident Claims

Contributory vs Comparative Negligence – How They Can Impact Your Car Accident Case

March 18, 2019 by Christopher

Here’s a short guide to help you understand the comparative and contributory negligence systems.

When you’re the victim of a car accident, you most likely will want to seek compensation from the at-fault driver to cover your medical bills, pay for damages, or even account for lost wages if you are unable to work at this time.

However, the state in which you file the claim or the lawsuit can have a lot to say about the outcome. If you’re in this situation, you will benefit greatly by reaching out to an experienced St. Louis car accident lawyer for further assistance.

Here’s a short guide to help you understand the comparative and contributory negligence systems.

two st. louis men involved in a car accident

Proving Negligence and Fault

In an accident, one party is typically held responsible for the collision, which essentially means you are trying to show another driver was negligent and cause the incident. For instance, if the other driver was using their smartphone, they may be held liable for the accident.

However, in some cases matters aren’t that straightforward. Sometimes, more parties are to blame for the collision, and when that happens, the comparative and contributory systems intervene.

What Is Contributory Negligence?

According to this system, if a driver was negligent and contributed to the accident, then that driver cannot hold a different party involved in the collision as responsible. In states that follow this rule, even if you are only partly to blame for the accident, you cannot recover any compensation from other parties.

What Is Comparative Negligence?

This system is not as strict as the previous one. Essentially, each party is assigned a certain percentage of blame for the incident. There are two categories for this system:

1. Pure Comparative Fault

Each party can recover damages equal to the amount of fault of the other party. If you are found 10% to blame for the crash, you can get up to 90% in damages. However, it also means the party with more responsibility can sue you as well, even if they’ll only be allowed 10% of the total amount.

2. Modified Comparative

With this system, which is also the one used in the state of Missouri, you can collect damages from the other party as long as your own negligence was found under 50%. In these states, the party found mostly responsible cannot collect any damages from the other parties involved.

However, even if you live in Missouri, there is still a chance you’ll have to face a different negligence system. For instance, if the accident took place in a different state that follows another type of negligence system, then you’ll likely have to follow the laws in the state where the collision occurred, and the one in Missouri.

Why Speak With a Lawyer After a Car Accident?

If you’ve been involved in a St. Louis car accident, it’s crucial to speak with an attorney who understands the law and is familiar with the court system. 

As we’ve discussed, negligence comes in many forms in car accidents. In St. Louis, law firms handle violations of the rules of the road that have resulted in a car accident. Most of the “rules of the road,” as we call them, are based upon laws or statutes. If you violate a law or a statute and cause an accident, the injured party in the car accident has a cause of action for Negligence Per Se. Under the Doctrine of Negligence Per Se, a violation of a statute or traffic ordinance resulting in an auto accident is generally considered a form of negligence and a violation of a vehicle operator’s duty of care. An attorney presenting a car accident case must still submit on:

  • Causation
  • Damages, in addition to having provided proof regarding the Negligence Per Se of the defendant driver causing the car crash.

Defendant drivers and their attorneys in a Negligence Per Se cause of action can submit defenses such as:

  • Plaintiff’s failure to stop, swerve, slacken speed or sound the horn
  • Plaintiff’s failure to keep a careful look out
  • Plaintiff’s failure to mitigate or minimize their injury by refusing medical treatment
  • Defendant has a reasonable excuse for the violation of the law or ordinance.

Among many other reasons, this is why it is essential to speak with an experienced injury attorney as soon as possible. At The Hoffmann Law Firm, we can evaluate your case free of charge and help you understand what your rights are after a car accident.

St. Louis Car Accident Lawyer


If you are ever the victim of a car accident, Missouri or not, one of the first things you should consider doing is discussing your case with a St. Louis car injury lawyer. Give us a call 24/7 at (314) 361-4242.

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Filed Under: Blog Tagged With: Car Accident Claims

Why Car Accident Pictures Are So Important and How to Take Them

March 11, 2019 by Christopher

Pictures are often the most telling piece of evidence you can collect after a car accident.

A car accident is a traumatic event that brings along some moments of utter chaos. It is completely understandable that during those times you may be confused and not know what to do.

The first thing you should do is call the authorities, and if you are hurt, get medical treatment for your injuries. However, if your injuries aren’t too bad, you should also consider gathering as much evidence as possible. This evidence, particularly photographs, can prove to be extrememly valuable later on.

taking pictures after a car accident

Why You Should Take Photos

Photos are often the most telling piece of evidence you can collect. Whether you’re filling an insurance claim, or even plan to sue the other driver, photo evidence is generally considered incontestable in Missouri courts.

However, you should make sure the photos you take are of high quality and contain the important elements of the accident.

How to Take Them

Photos from the car accident scene are only relevant if they can accurately reflect the incident, and not just regarding the damages it produced. You should also take pictures of the surroundings, as some elements there may prove to be the cause of the accident.

Here are some tips to follow:

1. General Shots of the Scene – These photos are about showing the scene as a whole, so you don’t have to worry about details. Make sure to take them from different angles to get in as much as you can.

2.  Photograph all the vehicles involved in the crash, at different angles, focusing on their damage.

3. The traffic light and sign shots near the scene.

4. Take photos of the sky, snow, rain, or other weather conditions. Even if the weather wasn’t to blame for the accident, a picture of a clear blue sky will prevent the other driver from claiming so to try and avoid paying damages.

5. Look for any damaged objects nearby, like street signs, garbage cans, or trees.

6. Get the license plates and insurance card of all the vehicles involved.

7. Look for debris, skid marks, or other elements on the road caused by the crash.

8. Photographs the people involved in the accident, like the driver and passenger, as well as witnesses, policy officer, EMTs or any other people at the scene. This can help you later on to identify people.

9. Document any damage or injury you’ve sustained as a result of the accident. If you can, photographs the visually evident injuries right on-site.

Speak With an Attorney 24/7


Photo evidence can prove crucial in these cases, but even they are only one piece of the puzzle. If you’ve been the victim of a car crash and want to seek compensation from the at-fault driver, get in touch with an experienced attorney as soon as possible. Give us a call 24/7 at (314) 361-4242.

FREE Case Evaluation


Filed Under: Blog Tagged With: Car Accident Claims

Signs of a Bad Car Accident Lawyer

February 12, 2019 by Christopher

When you have been injured in an auto accident, the last thing you need is an attorney trying to sell you something.

Insurance companies are aware that after an accident, many people have a hard time making wise decisions. This is why they often try to get a statement from victims right away. Unfortunately, some lawyers also resort to this type of behavior by trying to contact victims about their case.

signs of a bad car accident lawyer

Sadly, some lawyers loiter around the hallways of hospitals or courthouses, looking for new clients. Not only is doing this unprofessional, it is unethical. If you have been involved in a car accident and have been contacted by a lawyer, this is a bad sign. Do not hire such an attorney.

Experienced car accident attorneys are busy working on behalf of their clients. They do not wait in hospital hallways, waiting for their next client. To put simply, finding a good attorney does require some effort. It is important not to leave such a decision to chance, or to hire the first attorney that comes your way.

Hiring an Attorney

There are a number of factors to consider when you are looking to hire an attorney after a car accident. One of the major factors has to do with legal fees. When it comes to cases involving auto accidents, it is common practice for attorneys to get paid when the case is won on behalf of their client. If your attorney tells you they require some upfront payment, it’s time to speak with a different attorney.

Contingency Fees

If someone else was at fault for your car accident, it is important to look for an attorney that works on a “contingency fee”. While some attorneys charge hourly fees, car accident attorneys generally do not.

A contingency fee essentially means that your attorney does not get paid unless they recover compensation for you. At that point, they will be paid a percentage of the settlement amount or amount awarded by a jury.

Finding the Right Lawyer for Your Case

As we mentioned, it is important to avoid hiring an attorney that is simply preying on those who are vulnerable after an accident. Never hire an attorney that contacts you.

Instead, do your research and find an attorney that has the experience, knowledge, and skill to handle your case successfully. Additionally, it is important to understand that communication is essential. An attorney that communicates effectively with you can not only put you at ease throughout the process, it can also make or break your case.

The following are qualities that you should look for in your car accident attorney

  • Attention to detail
  • Thorough knowledge of the law
  • Ability to research and stay up-to-date on current laws
  • Diligent
  • Ability to communicate effectively


The Hoffmann Law Firm, L.L.C.

At The Hoffmann Law Firm, L.L.C. we have worked exclusively on protecting the rights of car accident victims for over 20 years. We understand that while monetary compensation can never completely return a person’s health or erase the effects of an injury, it can alleviate many of the problems confronted by car accident victims and their families from day-to-day.


If you or a loved one have been injured in a car accident feel free to give us a call 24/7 at (314) 361-4242 for a FREE and private case evaluation.

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Filed Under: Blog Tagged With: Car Accident Claims

4 Tips For Taking Photos After an Auto Accident

November 29, 2018 by Christopher

Here are four crucial tips that will help you obtain useful photos after a car accident.

You likely already understand the importance of taking photos after a car accident. Not only will your insurance company want this documentation, but it will also help you and your St. Louis auto accident lawyer in a potential personal injury case. Of course, the pictures have to meet a few requirements if you want them to be useful to you. In this article, we will present four tips for taking photos after a car accident.

taking a photo after a car accident

How Pictures Strengthen Your Case

If another driver or third party admits to being at fault for the crash, then much of your work is already taken care of. Unfortunately, this case is somewhat rare, as drivers often have a different perspective or choose to outright lie about what happened in the collision. What pictures can do is break you out of this gridlock by confirming that your story is correct.

The Camera in Your Pocket

A couple of decades ago, obtaining photos after a crash was nearly impossible, unless you just so happened to carry around a camera on a regular basis. As a result, those involved in car accidents would instead either skip this task or let the police take care of it. In the modern world, almost every one of us has a powerful camera in our pockets. Even those without smartphones will likely have a photo that is capable of taking pictures.

The 4 Tips You Need to Know About

Now, onto the four crucial tips that will help you obtain useful photos.

Capture the Damage – First, you’ll want to take pictures of every car involved. The reason is that property damage will play a role in your eventual compensation, so it is important to get an accurate idea of it. Next, snap a photo of any visible injuries you sustained, as those can prove the legitimacy of your medical expenses.

Don’t Forget About the Surrounding Scene – One mistake that many drivers make is not taking photos beyond themselves and their cars. What they should do instead is get pictures of the surrounding area. A few typical examples are skid marks on the ground, traffic signs in the area, and the weather.

Obtain Many Angles and Distances – You never know what your lawyer or accident reconstructionist will want later on in your case. For this reason, your best bet is taking photos at many angles and distances. While they might all look the same to you, they could be very different in the eyes of an expert.

Store Photos Securely – Lastly, make sure you don’t lose your photos. The best way to avoid this trap is storing them on a cloud-based platform.

 

Speak With an Attorney 24/7


Though you might feel like sitting back and letting the professionals take care of things after your car accident, this strategy is not advisable. The reason is that the police might miss something that you would not have, and your personal injury case can suffer as a result. Instead, if possible, take as many photos as you can.

Injured in a St. Louis Car Accident?
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(314) 361-4242

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Filed Under: Blog Tagged With: Car Accident Claims

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    Copyright © 2022 The Hoffmann Law Firm L.L.C.
    The images included on this site are not actual attorneys, events, or clients. The choice of a lawyer is an important decision and should not be based solely on advertisements. The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established. Attorney Chris Hoffmann handles car and truck accident claims throughout Eastern Missouri and Western Illinois. He represents injured clients in St. Louis, St. Charles, St. Peters, Clayton, East St. Louis, Alton, Hillsboro and Belleville, and other cities in St. Louis County, St. Charles County, and Jefferson Country, MO, and St. Clair County and Madison County, IL.