Learn what insurance companies look for when evaluating car accident claims and how to strengthen your case. Call (314) 361-4242 for guidance today.
Insurance companies carefully review various factors to determine liability and compensation when filing a car accident claim. Understanding their evaluation process can help you build a strong case and maximize your settlement.
Key Factors Insurance Companies Consider
1. Liability and Fault Determination
Insurance adjusters analyze police reports, witness statements, and accident scene evidence to determine who is at fault. Missouri follows a comparative fault system, meaning your compensation may be reduced if you share responsibility for the accident.
2. Extent of Injuries and Medical Records
The severity of your injuries significantly impacts your claim. Insurers review:
- Emergency room visits
- Doctor’s reports
- Physical therapy records
- Medical imaging (X-rays, MRIs, etc.)
To strengthen your claim, always seek medical attention promptly after an accident.
3. Property Damage Assessment
Insurance companies evaluate vehicle damage to determine repair costs or whether the car is a total loss. Providing photos and repair estimates can support your claim.
4. Statements from Involved Parties
Anything you say to an insurance adjuster can be used to minimize your settlement. Avoid admitting fault or speculating about the accident’s cause. It’s best to consult an insurance attorney before providing a recorded statement.
5. Insurance Policy Coverage
The terms of your insurance policy and the at-fault driver’s coverage will affect how much compensation you can receive. Uninsured/underinsured motorist coverage may come into play if the at-fault driver is uninsured or lacks sufficient insurance.
6. Delays in Filing a Claim
Timeliness is crucial. Delaying your claim can raise suspicion and give insurers grounds to question the legitimacy of your injuries or damages. Report the accident promptly and consult a St. Louis car accident lawyer to navigate the process efficiently.
How to Strengthen Your Claim
To improve your chances of securing fair compensation:
- Document everything: Take photos of the accident scene, vehicle damage, and injuries.
- Get witness contact information: Statements from neutral witnesses can support your claim.
- Seek immediate medical care: A delay in treatment can weaken your case.
- Avoid discussing your claim on social media: Insurers may use your posts against you.
When to Contact a St. Louis Car Accident Lawyer
Insurance companies often try to settle claims for as little as possible. If you’re struggling with a denied or undervalued claim, seeking legal representation can make a significant difference. A car accident lawyer can negotiate on your behalf and ensure you receive the compensation you deserve.
Call The Hoffmann Law Firm Today
Attorney Christopher Hoffmann has over 25 years of experience handling car accident claims in Missouri. He personally oversees each case, providing dedicated and knowledgeable representation.
Call (314) 361-4242 for a FREE consultation. Don’t let the insurance company undervalue your claim—get the legal support you need today. For immediate assistance, contact us now for a free consultation.
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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!