Car accidents are one of the most common causes of serious and fatal injury in the Greater St. Louis area. When you sustain a serious injury in a car accident, insurance companies often work quickly to offer a settlement. If you accept a settlement, you waive your right to seek compensation through legal action. Unfortunately, the settlements offered by insurance companies are typically insubstantial – even when they initially look great. Before you accept an offer from an insurance company, call Brown & Brown for a free case review and let one of our car accident lawyers help you determine what your case is really worth.
An Insurance Adjustor Has Asked to Meet with Me. What Should I Say?
Insurance adjusters work for the insurance company to save them as much money as possible. To do this, the insurance adjuster may try to make you admit that the auto accident is part or completely your fault. They may also try to make you admit that your injuries are not that severe, or that the auto accident was not that bad.
When speaking to an insurance adjuster, you should never make an admission of guilt, or make any statements about the results of the accident. The best thing you can do when speaking to an insurance adjuster about your auto accident is to have an experienced auto accident attorney present.
If you live in St. Louis or surrounding areas of Missouri or Southern Illinois and are in need of a car accident attorney, Brown & Brown can help. In Missouri, call 314-333-3333 and in Illinois call 618-888-8888 to schedule a complimentary consultation to learn more.
- Leading Causes of Car Accidents
- A Closer Look at Distraction
- What to do After a Car Accident
- Common Damages Following Car Accidents
- How Brown & Brown can Help
- Contact Us for a Free Case Review
Some of the top causes of car accidents include:
- Alcohol or drug use
- Driver distraction
- Erratic or aggressive driving
- Dangerous or poorly designed roadways
- Defective vehicles
While some of these things are beyond the control of the driver who causes an accident, most car crashes are the result of driver error or behavior.
When you work with Brown & Brown following a car accident, we will thoroughly investigate its cause to help ensure the proper party is held liable.
What do I do if the Car Accident Was Partly My Fault?
If you are involved in an auto accident that you are partially liable for, you may still be able to recover compensation for your losses. Depending on what state the auto accident occurred in, you might be able to show, through comparative negligence, that the other driver is responsible for a percentage of the accident.
Depending on how much the other driver is liable, and the type of comparative negligence applicable in your state, you may be able to recover the proportion of compensation for which they are responsible. This means that if the other driver is 70% responsible for the auto accident, then you will be able to recover 70% of your losses from them.
While there can be several factors behind car accidents, distraction is one of the most common. Cited as a contributing factor, if not the main, in a majority of serious and fatal car accidents, distraction in much more than cellphone use. In fact, distraction refers to any behavior that a driver performs that is not directly related to operating the vehicle.
Common types of distracted driving include:
- Handheld cellphone use
- Hands-free cellphone or on-board electronic use
- Eating or drinking
- Programing or looking at GPS
- Adjusting the radio or a portable music player
- Personal grooming
Even talking to passengers can be a form of distraction, particularly when vision is shifted from the road to the passenger or backseat.
When distraction plays a role in a car crash, it is important that it be identified as a factor in order to seek proper compensation. During the investigative process, we will look for signs of distraction to help ensure all contributing factors are taken into account when we seek compensation for your injuries.
Following your car accident, the steps you take will have an impact on your ability to collect compensation. If at all possible, on the scene of the accident:
- Take pictures from multiple angles
- Get the vehicle, insurance, driver’s license, and contact info of all involved drivers
- Get contact info from all witnesses
- Cooperate with police and EMTs
- Contact your insurance company to report the accident
Gather information, cooperate and be courteous, but do not suggest to anyone you talk to that you are to blame for the accident.
As soon as possible after the accident:
- See your doctor for a full physical examination
- Contact Brown & Brown for a free consultation
Some injuries, including traumatic brain injury and spinal cord injury, may not show immediate signs. It is possible to be released by EMTs only to have symptoms occur days or even weeks later. Seeing your doctor for a full physical examination is the best way to make sure all of your injuries are diagnosed, enabling you to begin treatment before irreversible damage occurs.
Damages commonly sought following car accidents include:
- Emergency and on-going medical treatment
- Wages lost during recovery
- Wages lost due to continued inability to work at the same level
- Property damage
- Pain and suffering
The cost for things like rehabilitation, home modifications or adaptive technology made necessary by your injury, and a loss of quality of life due to new limitations are often included in car accident injury claims. The best way to learn which damages you may be entitled to is through a free, one-on-one consultation with one of the car accident lawyers at Brown & Brown
Car accidents resulting in a loss of life may qualify for a wrongful death lawsuit. Under this type of legal action, one of our attorneys will work to secure compensation for your family that may include:
- End of life medical expenses
- Funeral and interment expenses
- Projected lost income
- Loss of retirement or 401k benefits
- Loss of companionship
- Emotional suffering
Wrongful death lawsuits can be brought by surviving spouses or children and are designed to provide compensation for families who have lost a loved one due to someone else’s negligence. Call our St. Louis office at 314-333-3333 or our Fairview Heights office at 618-888-8888 to schedule a free consultation to learn more.
What can I do if the Other Driver Doesn’t Have Insurance?
There are a few different options that you have if the other driver involved in your car accident does not have auto insurance. You may be able to recover compensation for your losses from your own insurance company, or you can file a personal injury claim against the driver of the other car instead of their insurance company.
The best way to find out what course of action you should take to recover your damages is to contact a Brown & Brown. Our auto accident attorneys will help you recover the compensation you deserve.
Brown & Brown was established over 20 years ago to help victims of serious injury in the Greater St. Louis area get fair and full compensation. Our team of dedicated and experienced car accident attorneys work tirelessly for our clients, building every case for trial to make sure all actions are taken to secure every penny car accident victims are due. We work on a contingency basis, so you pay nothing if we don’t win your case – and consultations are always free, so it costs you nothing to speak with us and learn if we can help.
Can’t I Handle My Car Accident Claim Myself?
Car accident claims can be very difficult to handle and many times insurance companies will try to use pressure tactics to prevent you from recovering the compensation you deserve. While some people may choose to handle their auto accident claim alone, those that choose to hire a Brown & Brown auto accident attorney almost always recover more compensation than they would have alone.
You may not need a car accident attorney if your injuries are minor, but it never hurts to have your case reviewed. The best way to learn if an attorney will be useful for your claim is by speaking to one; just be sure to do so before you accept an insurance offer and before the two-year statute of limitations to file a claim passes.
To schedule a free consultation with one of our car accident lawyers in St. Louis and surrounding areas of Missouri, call 314-333-3333. In Fairview Heights and surrounding areas of Southern Illinois, call 618-888-8888. Brown & Brown works to protect the rights of victims of serious injury living throughout the Greater St. Louis area.