Whether or not you own a car, it’s important to know what to do after you get into a car accident. It’s also important to know who pays for your injuries if you have any. Here’s how an attorney can help you determine fault in the accident, determine liability from any injuries, and understand what Missouri law says about it.
What to do after a car accident injury
First, you should call 911 for medical attention. Even if you have nothing more than a headache, it’s best to call, because that headache could indicate a more serious injury that may not become evident for several days after the accident. Going to the doctor also creates a trail of medical records, which can be essential to a strong case in the event that you have to go to court.
Does health insurance cover car accident injuries?
Different health insurance policies have different requirements. Some insurances cover it, and some don’t. Certain procedures may require specific approval by your health insurance, which means that if they don’t approve it, you have to pay for it.
When the liable driver’s insurance pays for your injuries
Ideally, the other driver will hold at least liability insurance, which should include an amount to cover any injuries you sustain when they’re at fault. Unfortunately, insurance adjusters can take weeks or even months to determine fault, nevermind to provide compensation for those with injuries.
In fact, some insurance companies may purposefully make you wait before they offer a settlement, hoping that you’ll be so desperate that you’ll take their first offer. This is one of the best reasons to hire a personal injury lawyer who specializes in car wreck law in Missouri. Once the insurance company realizes that you have a professional on your side, they’re likely to move a little faster.
How long after a car accident you can claim an injury
There are many laws surrounding car accidents and seeking reparation. For example, each state has a statute of limitations (or time limit) on how long after the accident or injury you can file a claim or lawsuit. In most states, this is two years from the date of accident, unless a death is involved, in which case the limit is two years from the date of death.
However, if you’re injured in the wreck, Missouri state law says you have five years from the date of the accident to seek reparations. This can be extremely beneficial if the accident caused a severe injury. This gives you plenty of time to build a strong case with your attorney. It also gives your doctor time to determine how much medical care you’re likely to need in the future.
It also gives you time to change your mind. You might have initially decided that you didn’t want to file a lawsuit. However, as the issues continue, such as missing work, expensive medical treatments, straining relationships, and severe or chronic pain and suffering, you may decide to press for damages.
Who pays for your injuries if you’re not at fault
Ideally, the other driver will be at fault, their insurance will pay for your physical injuries and property damage. In reality, you may have to fight to make this happen. If you have good health insurance, you may be able to wait for the court case to be settled. Temporary disability can also help you make it through any time that you’ve spent away from work.
When you aren’t at fault for an accident, remembering you’re owed compensation may give you the push you need to call a lawyer, and get started with the reparations process.
For more information
The sooner you hire an attorney, the sooner insurance companies will start taking you seriously, and provide the financial recovery you need. Contact us today at (866) 695-6318, or submit this form to know what your case is worth.
