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Common Misconceptions About Car Accident Claims in Missouri

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Under Missouri personal injury laws, individuals who are hurt in negligent car accidents may be eligible to seek damages through a claim or lawsuit. However, there are several false assumptions and misleading information surrounding the car accident claims process in Missouri. To file a successful claim and avoid potential issues, getting experienced legal guidance and advocacy from a highly-skilled Missouri personal injury attorney is imperative.

The attorneys at Grover Law Firm, LLC, are committed to guiding clients through the complexities involved in filing car accident claims. Attorney Mark Grover and his trusted legal team can evaluate every aspect of your case, explore your options to pursue damages, and help clarify the misconceptions surrounding the claims process. The firm is proud to serve clients across Overland Park, Kansas, and throughout Missouri and Kansas, including Kansas City, Independence, Shawnee, Olathe, and Liberty.

Common Car Accident Myths & Misconceptions

According to statistics from the Missouri State Highway Patrol, there were 127,485 total traffic crashes statewide in 2022, causing 45,456 injuries. There are numerous collective popular notions surrounding the Missouri car accident claims process, which makes it often confusing or difficult for injured victims to pursue damages. The following is an overview of some common myths and misconceptions about auto accident claims in Missouri.

“My own insurance will be responsible for covering medical costs and damages to my car.”

Missouri is an “at-fault” state for auto accidents. Under the state’s at-fault laws, the driver who caused the traffic crash or your injury (the at-fault party) will hold financial liability for your injuries, damages, and other accident-related losses. To recover damages, you can proceed by:

  • Filing a first-party claim with your own insurer.
  • Filing a third-party claim against the insurance company of the at-fault driver.
  • Filing a personal injury lawsuit against the at-fault driver in civil court.

“I don’t need to seek medical attention because I feel fine.”

This is false. After being involved in a traffic crash, you need to seek immediate medical treatment, whether you sustained a minor injury or even if you feel okay. This is important for your health, safety, and for other legal reasons. A qualified doctor can evaluate the extent of your injuries, detect hidden injuries and systems, and provide adequate treatments.

Also, seeking prompt medical attention can ensure proper documentation of your injuries, medical treatments, and compliance with insurance requirements. With this, you can have the required evidence, medical records, and avoid potential issues when filing your insurance claims.

“If it’s a minor accident, it’s not necessary to file a police report.”

This is not true. Under Missouri laws, a person involved in a traffic accident must report the incident to the police if it causes personal injury, death to a person, or property damages of at least $500. In addition, the police report will form a vital part of the documentation for your personal injury claims.

“I can’t file a personal injury claim because I was partially to blame.”

This is another common misconception. Missouri follows the “pure comparative negligence” principle. Under the rule, accident victims may seek compensation for their injuries regardless of their contribution to the accident or injury. However, the amount of compensation that may be recovered will be reduced by the claimant’s percentage of fault.

According to Missouri’s pure comparative negligence rule, even if you were up to 99% responsible for the accident or your injury, you may still be eligible to seek damages.

“I don’t need to hire a lawyer to file a personal injury claim.”

After a personal injury or auto accident, you need to retain a highly-skilled lawyer to assist with your injury claims. A seasoned car accident attorney can investigate every detail of your unique situation, gather the required documentation, and guide you through the claims process.

Also, your lawyer can help negotiate a fair settlement with the insurance company or take additional legal action where possible. An attorney that is highly knowledgeable about the statutes and rules addressing your unique situation can fight diligently for your best interests and help you seek your deserved financial compensation.

Understand the Truth About Your Claim

Being involved in a negligent car accident can be a difficult and emotional experience. However, knowing the truth about your claims and the next steps to take after the incident can help make your case feel more manageable. The attorneys at Grover Law Firm, LLC, have the diligence, skill, and resources to assist and represent car accident victims in their injury claims.

With their extensive knowledge, Attorney Mark Grover and his trusted lawyers can walk you through the often-complex procedures involved in filing accident claims and recovering damages. They will continue fighting for your best interests, hold the negligent party liable for your injuries, and help you pursue the financial justice you deserve.

Contact Grover Law Firm, LLC, today to schedule a simple case assessment with experienced personal injury lawyers. The firm is proud to serve clients across Overland Park, Kansas, and throughout Missouri and Kansas.