After a car accident in Missouri, you’re likely feeling overwhelmed and unsure about what comes next. The claims process can seem like a maze of paperwork, insurance communications, and legal requirements, leaving you wondering if you are taking the right steps to protect your interests. Understanding the road ahead can make all the difference in your case, so here is what you can expect in the weeks and months to come.
Step #1: Contact a Lawyer and Begin the Investigation
The moments following your accident set the foundation for your entire claim. It is important to contact a Missouri car accident attorney early on who can represent your case and protect your rights. After you hire a lawyer, they will immediately launch a thorough investigation and begin gathering evidence to support your claim.
For example, your car accident attorney in Kansas City will collect police reports and accident scene photos. They will also interview witnesses and obtain surveillance footage from nearby businesses. Your lawyer may also consult with accident reconstruction experts to help determine how the collision happened.
Step #2: File the Insurance Claim
Once your attorney has compiled sufficient evidence, they will likely file an insurance claim to initiate your claim. Missouri operates under a fault-based system, meaning the at-fault driver’s insurance must cover your damages. Your attorney will file a detailed claim with the appropriate insurance company, documenting your losses such as medical bills, lost wages, and pain and suffering.
The insurance company will then launch an investigation and review all submitted documentation. After the investigation, the company will either make a settlement offer or deny the claim. Your attorney may negotiate with the insurance adjuster to reach a fair settlement.
Step #3: File a Lawsuit and Begin Discovery
If insurance negotiations stall or the company refuses to offer a fair settlement, your lawyer will then file a lawsuit in civil court. After filing, you will enter the discovery stage, which allows both sides to exchange information and evidence.
During discovery, you may need to provide sworn testimony in a deposition, answer written questions, and share relevant documents. Similarly, your lawyer will depose the other driver, witnesses, and experts to strengthen your case and expose any weaknesses in the defense’s position.
Step #4: Settle via Negotiations or Go to Trial
Most cases settle during pre-trial negotiations between your attorney and the at-fault driver’s defense lawyer. However, if the at-fault party still refuses to settle, your attorney will take your case to trial. During this process, your lawyer will present evidence, witness testimony, and expert opinions to the judge and jury. At the conclusion of the trial, the jury will determine if you should receive compensation and how much.
Speak with Dollar, Burns, Becker, and Hershewe Today
When facing a car accident claim, trust a specialized personal injury lawyer in Kansas City to guide you through the process. The attorneys at Dollar, Burns, Becker, & Hershewe will handle every step of your claim, from gathering evidence to negotiating with insurance companies. Contact us at (816) 876-2600 to schedule your free consultation and learn how we can help you secure the compensation you deserve.