Insurance Policy Claim Attorneys in St. Louis
Comprehensive Counsel for Accident Victims in Missouri & Illinois
If you’ve been in an accident and are now subsequently having difficulties dealing with the insurance company, you need an insurance policy lawyer to protect your interests. At The Dixon Injury Firm, we can guide you through your insurance policy case and see to it that you and your family are protected from the insurance company and their underhanded tactics. Whether you need financial assistance because of loss of work, medical bills, or to pay for the costs of recovery associated with any injuries sustained because of the event, the insurance companies will battle you every step, but our St. Louis insurance policy claim lawyers can and will provide you with insightful legal guidance.
To get started, contact our firm today. We are always available to help!
Minimum Insurance Requirements
Missouri requires drivers to be covered for a liability of up to $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property. This required coverage is only meant to ensure that if a driver harms somebody, the driver will be able to cover at least a big part of any damage the driver causes. Note that these are not huge requirements. If a driver negligently kills someone in another car, that driver is going to be liable for a lot more than $50,000. Additionally, the law does not require drivers to insure their own cars, so many people buy the standard minimum insurance without realizing they may not be able to make an insurance policy claim for their own car.
It is also important to understand that many states have moved to a “no-fault” auto insurance regime, but Missouri has not. In a no-fault system, drivers in a crash can make an insurance policy claim against their own insurance carrier regardless of what happened. The benefit of this system is that the police, doctors, and lawyers are not needed to fight over who was at fault. The system has its drawbacks, though, as it may make it hard for drivers to be fully compensated for an egregious act by another driver.
In Missouri, we still use a system called “pure comparative fault.” This system basically requires the more-at-fault person to compensate the less-at-fault person in an accident. This means that even a driver that was speeding could receive compensation from another driver that ran a red light. This means that no injured person should give up on securing compensation just because that injured person feels partially responsible.
Missouri also has a bad faith law that is intended to prevent your insurance carrier from wrongfully denying claims against you. In other words, if you are in a crash that is totally your fault, you can provide your carrier with that information and make a time-limited demand that they pay the damages pursuant to Missouri Statutes Section 537.065. If your insurance company wrongfully refuses to honor a claim from someone you hurt, you may be able to sue your own carrier for any damages you incur.
Why Are Insurance Policy Claims so Difficult?
When it comes to insurance policies, the devil is in the details. Through the use of legal jargon, circular logic, complex wording, and other underhanded tactics, insurance companies can often worm their way out of providing their clients with the insurance they’ve paid for and come to depend upon in accident situations. Insurance companies want to make money, not pay out for your damages and injuries, and because of this, you need an experienced and aggressive insurance policy lawyer to defend your best interests against the insurance corporations.
Some of the tactics the insurance companies will try to use to reduce your settlement include:
Calling immediately after an accident: While you are still injured and adrenaline is pulsing through your veins, the insurance company will try to get you to make an official statement regarding the accident. Don’t do it. Talk to the police, seek medical attention, then call our insurance policy claim lawyers.
Trying to convince you to sign their medical authorization documents: The insurance company will use anything they can to cheat you out of a full payout. If they can use past medical records against you, they will. Don’t sign anything before first consulting with an insurance policy claim lawyer.
Pushing for a quick settlement: For the insurance companies, less time is an ally. The faster they can close your claim, the less time you have to record injuries and any chronic pain/injuries you may have that could show up later. Don’t settle for anything less of what you will actually need.
Denying treatment: The insurance company will try to tell you that they won’t cover your medical expenses or repairs, etc, because of vague and ambiguous reasons. Do not believe them, and do not accept it. You paid for your insurance, you deserve to be able to use it when you need it. Whatever you agree to with an insurance company will be used against you. Speak with our insurance policy claim attorneys first.
If you’ve been in an accident, or have had property damage or another even that can cause you to contact your insurance company, you should be prepared for an insurance policy claim battle, and you shouldn’t do it alone. We have fought and defeated the insurance corporations before, and they know every tactic they will try to use. When you trust in our insurance policy lawyers, you will be taken care of fully.
How Can Our Firm Help?
The Dixon Injury Law Firm is an industry leader when it comes to protecting the interests of insurance policy claim holders. When an accident happens, the responsible party, their lawyers, and the insurance agencies are going to try to get you to settle for as little as possible and attempt to place as much blame as possible on you for the accident. This includes your insurance company! This will allow them to settle quickly and against your best interests. That’s why it is so vitally important to let our St. Louis insurance policy claim attorneys fight for what you are rightly owed.
For further guidance and insight, call us at (314) 208-2808 today and schedule your free case review.