Denied a car insurance claim in St. Louis? Learn how to fight back and secure your compensation. Call (314) 361-4242 to speak with a lawyer for free!
Being in a car accident is already a stressful experience, but having your insurance claim unfairly denied can make it even worse. Insurance companies often look for reasons to reduce or deny claims, leaving accident victims without the compensation they need for medical bills, vehicle repairs, and lost wages. If your claim has been denied, don’t give up—there are steps you can take to fight back and secure the compensation you deserve.
Insurance providers operate as for-profit businesses, prioritizing minimizing payouts to protect their bottom line. Some of the most common reasons insurers deny claims include:
1. Disputing Liability
The insurer may argue that you were partially or fully at fault for the accident, reducing or eliminating their financial responsibility.
2. Claiming Policy Exclusions
Insurance companies may deny claims by citing policy exclusions, stating that the accident does not fall under your coverage.
3. Alleging Insufficient Documentation
If you did not submit enough evidence—such as police reports, medical records, or witness statements—the insurer might deny your claim, claiming lack of proof.
4. Delaying the Process Until You Give Up
Some insurance companies intentionally delay processing claims, hoping you’ll become frustrated and accept a lower settlement or drop the claim altogether.
5. Using Statements Against You
Anything you say to an insurance adjuster can be used to reduce or deny your claim. That’s why consulting with a St. Louis car accident lawyer before speaking to any insurance representative is crucial.
Steps to Take After a Claim Denial
If your car insurance claim has been denied, don’t accept the denial without a fight. Here’s how to fight for the settlement you deserve:
1. Review Your Denial Letter Carefully
Insurance companies are required to provide a written explanation for why your claim was denied. Read the letter carefully and compare it to your policy to see if the denial is justified.
2. Gather Evidence to Support Your Claim
The more documentation you have, the stronger your appeal will be. Collect:
Police reports
Photos and videos from the accident scene
Witness statements
Medical records and bills
Repair estimates for vehicle damage
3. Avoid Speaking to Insurance Adjusters Without a Lawyer
Insurance adjusters are trained to ask questions that may weaken your claim. If your claim has been denied, the best course of action is to consult with experiencedinsurance claim denial lawyers before speaking to your insurer.
4. File an Official Appeal
Most insurance companies allow policyholders to appeal claim denials. Your lawyer can help you submit a formal appeal letter outlining why the denial was unfair and presenting supporting evidence.
5. Consider Filing a Complaint with the Missouri Department of Insurance
If your insurer acts in bad faith, you can file a complaint with the Missouri Department of Insurance. They can investigate whether the company violated state insurance regulations.
6. Take Legal Action if Necessary
If the insurance company refuses to pay a fair settlement, your attorney may advise you to file a lawsuit. This step can pressure the insurer into settling rather than facing litigation.
Why You Should Contact a St. Louis Car Accident Lawyer Immediately
The best time to speak with a lawyer is immediately after an accident—before talking to the insurance company. If you have already spoken with an adjuster and your claim has been denied, the second-best time to get legal help is right now.
What a Lawyer Can Do for You:
Protect you from making statements that harm your case
Gather and present compelling evidence
Negotiate aggressively with insurance adjusters
File appeals and legal complaints
Take your case to court if necessary
Don’t wait—the longer you delay, the harder it may be to overturn the denial. Insurance companies have teams of lawyers working to minimize payouts, and you deserve a legal advocate on your side.
Speak with a St. Louis Car Accident Lawyer Today
Attorney Christopher Hoffmann has over 25 years of experience fighting for St. Louis car accident victims. Whether you’re dealing with an unfair denial or want to maximize your claim from the start, we’re here to help.
Call (314) 361-4242 or submit an online contact request for a FREE consultation today. Don’t let the insurance company take advantage of you—get the legal representation you need to fight back.
This legal professional has shown exceptional competence and dedication in their field. I highly recommend their services to anyone seeking legal representation that is committed to unwavering advocacy and support throughout the entirety of their case.
I would describe this lawyer as highly educated, sharp, and top of his game. Explains the car accident process and treatment options well. The lawyer said if they don’t pay you, we will have the jury take it from the insurance company. Great lawyer. Dynamic person.
Interviewed all the TV car accident lawyers and decided to call this law firm that had great reviews. So happy I did. What a difference!
Response from the owner:TV car accident lawyers are just mass production. This is not a good fit for litigated cases. Paralegals instead of lawyers. Monthly quotas for settlements. Car accident victims end up in a cattle call with the lawyers on TV.
Love my car accident lawyer. This law firm is a step above.
Response from the owner:Our lawyers train and track the best approaches on cases. Whether litigation in cases or the practicalities of certain treatment, the growth of our lawyers over time is paramount. Always staying ahead of and setting practice trends. Thank you.
Serious family member have a car accident injury? Look no further. This litigator is for real. Always two steps ahead of the other lawyer.
Response from the owner:This is a sad reality for car accident lawyers. The #1 passenger in an auto accident is a relative. Helping a family make it through this and putting the family back together is one of the most rewarding things I do as an automobile accident attorney.
This lawyer handles really big accident cases in St Louis. He is a lawyer, accountant and has his masters in tax so he gets the injury cases for individuals that can never go back to work or individuals own a business and cannot run it due to injury. He specializes in valuations of massive loss. Thank goodness a firm like this exists.
Response from the owner:Thank you. When accident are severe and you lose the ability to work or to continue a business, having an accounting and tax background is key. Valuing large losses are second nature for us.
Asked a trauma surgeon who operates on car accident victims who are the best injury lawyers that have taken his deposition. He said “by far” it was Mr Hoffmann. Interviewed several attorneys and this was a correct assessment. In a league of his own!
Response from the owner:Our attorney have deposed nearly all the trauma surgeons at every Level 1 Trauma Center in Saint Louis. These doctors save lives after a car accident. Whether controlling bleeding or reestablishing blood flow or bone structures, they are life savers.
Few lawyers in St. Louis can handle the biggest injury cases! This is one of them!
Response from the owner:Our law firm has made great efforts in terms of training to handle life changing injury cases. Whether in depth knowledge of the medical, loss of income and earning capacity, or lifetime medical care plans, our clients feel confident and know their case is in good hands. Thank you for the compliment.
Cannot say enough about this lawyer. Call if in an accident. This attorney handles the biggest car accidents in St Louis.
Response from the owner:Thanks Ash! Our biggest source of cases is our clients. Our second biggest referral source is defense lawyers telling their relatives to call us. Few lawyers can handle the largest cases. Our law firm welcomes and has trained for this. We don’t do mass production settlement like the lawyers on TV. Our clients can never go back to work. Their cases need massive focus and effort and often long fought litigation.
So glad I called attorney Hoffmann. This time I got it right! So glad I hired the Hoffmann Law Firm - professional, reliable and available.
Response from the owner:Thanks Taylor. Our lawyers answer the phone day, night, weekends and even during lunch. Being professional means training to beat the best defense lawyers. Client rely on us to get results and we do.
Great lawyer. Cares about his clients, knows his stuff and goes the extra mile. I recommend this lawyer for car wreck injury claim. Every other lawyer on TV would not even help with my property claim. This attorney did.
Response from the owner:Thank you for the kind words. Every case starts with a great client. You are correct the car accident lawyers on TV are mass production settlement mills. When injury clients fire them, we get their files and the cases are not worked up at all. Appreciate your confidence in us!
Major car accident injury in St Louis area for a family member. Four different lawyers we know said the same thing - call Chris Hoffmann. On another level.
Response from the owner:This is such a great compliment. Most of our cases come from prior client or lawyers that also do car accidents cases but the particular case is too large or too difficult. Being a lawyer and an accountant, we specialize in cases with total lost of income, earning capacity and/or often the inability to continue a family business. Evaluations such as these are second nature for our lawyers. Thanks.
Best in St Louis for auto accident cases. Nobody else is even close.
Response from the owner:So kind of you to leave this review. Whether our lawyers are going after big insurance or their lawyers, skill and experience are essential and win the day for our auto accident clients. Thanks!
This attorney is very smart, very experienced, returns phone calls and knows the answers when asked. One call and I knew this was a great law firm for auto accidents.
Response from the owner:Our law firm appreciates this. This is a comment we get from so many people who call…”none of the lawyers we called told me all the things that you did.” Whether we take a car accident case or not, helping people is a good thing.
5 Star Lawyer for sure! Best you will find in Saint Louis.
Response from the owner:Thanks for the 5 Star Rating. Reviews like this are great. Injury victims quickly figure out the TV advertisers are not good. We work hard at being the best we can be and it reflects in our representation of car accident victims.
Watch this lawyer in action. Was way better than all the others. Get this lawyer for an automobile accident for sure.
Response from the owner:Thanks for the recommendation. Besides doing cases, our attorneys train for this. Hard work, case knowledge and technique is key to success in car accident litigation.
Very pleased with The Hoffmann Law Firm. Lawyers are attentive, friendly and go the distance to force the settlement you want. The TV lawyers recommend low offers. This law firm gets the maximum.
Response from the owner:We get calls from car accident victims that had to fire the TV lawyers that they hired. They give the same two reasons: 1) they never spoke to a lawyer at the Big TV law firms, only a paralegal, and 2) the paralegal recommended they accept a low offer.
At our law firm, you only talk to the lawyer and if an offer is low we tell you to sue. Thanks!
Several lawyers said to call this lawyer because he is the best. You will appreciate this law firm. Helped with the injury and property claims. Attentive and knowledgeable. Great reputation in St Louis.
Response from the owner:Thanks Lexi. Our #1 source of cases is other lawyers referring us cases that are too big for them to handle.
Would use this accident law firm. Best in Saint Louis. Highly rated and it shows. After one phone call, you just know this attorney is better. 5 Stars!!
Response from the owner:Thanks for recommending our lawyers in St Louis. There is a major difference in lawyers as you well know.
Car accident lawyers on tv are not good . Get this attorney ! He is a pro !!
Response from the owner:Thanks Nathan. TV lawyers market for car accidents, use paralegals instead of lawyers and give their employees settlement quotas hence forcing cheap settlements. At our law firm, you get a lawyer who keeps pushing forward for more.
Quality lawyer. Best law firm for a car accident. Advice was way better than other lawyers I called in St. Louis. Helped with property and injury.
Response from the owner:Thanks. The TV lawyer advertisers are just car accident settlement mills. As soon as people call a real attorney, they always tell us how much better and more helpful we were. Appreciate this.
This lawyer is big time. Smooth. The other lawyers on the other side were not nearly as good as this attorney. I recommend friends in St Louis to him for accident injuries and they all say the same thing…”that lawyer is great.”
Response from the owner:Very nice of you to say. Our lawyers work hard on auto accident cases.
Family used this car accident attorney after a crash. Located in St Louis. This lawyer answers the phone and will walk you through the process. Knows his stuff!
Response from the owner:Taking calls, going over the car accident injury and property process is important. Clients that call always say we are the only lawyers that explained everything. Much appreciated.
Tried the lawyers on TV. They were not good. Hired this car accident lawyer instead because he had great reviews. The reviews are correct. This attorney is as good as they get. He does big injury cases that need to be litigated.
Response from the owner:Car accident lawyers on TV do not litigate cases. It is mass production. They have quotas. Local attorneys are best on auto accidents.
Used this attorney for an auto accident. Highly recommend this lawyer in St. Louis. Communicates well.
Response from the owner:Communicating with clients is essential. Taking the client though the car accident claims process is important otherwise major mistakes can occur. It is an effort that we make. Thanks!
Fantastic law firm, I would recommend! Received free consultation related to an auto accident when my parked car was damaged by a baseball. Very supportive advice, these guys are good!
I was in a car accident in St.Louis and hired Chris as my lawyer. He was amazing!!! He helped me every step of the way and was able to get me a great settlement!!! Highly, highly, highly recommend him!
Response from the owner:Each step is important in a car accident. Thanks for recommending us for car accidents injury claims.
If you have an auto accident and need an attorney in St Louis, I recommend Mr Hoffmann.
Response from the owner:Appreciate this James and you did great as well. Car accident claims always start with a good client.
Why Choose Us vs TV Lawyers?
Direct Attorney Access
Maximum Settlement Focus
Trial-Ready Cases
Paralegal Handling
Quick Settlement Push
Settlement-Only Focus
Free Consultation with a St. Louis Car Accident Lawyer
Don’t talk to an insurance claims adjuster before speaking with The Hoffmann Law Firm, L.L.C. We can help you avoid making statements that may affect the outcome of your case. The consultation is free; you don’t pay unless we get you money!
