Home » What happens if the at-fault driver’s insurance company offers me a settlement?

Expertise in Auto Accident Cases

If you're an auto accident victim in Missouri and the at-fault driver's insurance company offers you a settlement, here's what you should consider:
  1. Consult a Lawyer: Before accepting any settlement offer, it's advisable to consult with a personal injury attorney. An experienced lawyer can help you understand whether the offer adequately covers your damages and losses. They can also advise you on the legal implications of accepting the offer.
  2. Understand the Full Extent of Your Damages: Ensure that the settlement covers all your current and future expenses related to the accident. This includes things like medical bills, lost wages, and lost household contributions. However, you also must ensure that you believe the amount adequately compensates you for your pain and suffering, and any other damages. Sometimes, the full extent of injuries and their impact on your life may not be immediately apparent.
  3. Negotiation is an Option: The initial settlement offer is often a starting point for negotiations. You are not obligated to accept the first offer. With the help of an attorney, you can negotiate for a more favorable settlement that more accurately reflects the damages you’ve suffered.
Yes, accidents involving commercial vehicles like trucks can be more complex. These cases may involve different regulations and multiple parties, such as the driver, the trucking company, and any other involved party.
Ensure everyone's safety and call 911 if there are injuries. Document the scene with photos, exchange information with the other driver, and notify your insurance company. It's also advisable to seek medical attention if necessary and consult with a personal injury attorney.
The timeline can vary greatly depending on the complexity of the case, the extent of the injuries, and the willingness of the parties to reach a settlement. Some cases settle in a few months, while others can take several years.
If the at-fault driver is uninsured, you may still have options. This can include making a claim under your own uninsured motorist coverage if you have it. An attorney can help navigate these scenarios.
Yes, under Missouri's pure comparative fault rules, you can still recover damages even if you are partially at fault. However, your compensation will be reduced by your percentage of fault.
Missouri follows a "pure comparative fault" system. This means that the compensation you receive can be reduced by your percentage of fault in the accident. Fault is determined based on evidence like statements of the parties, witness statements, and sometimes accident reconstruction experts.
While you are not legally required to have a lawyer, navigating the legal system and dealing with insurance companies can be complex. An experienced personal injury lawyer can help ensure that your rights are protected and that you receive the maximum compensation possible.
Compensation can vary based on the specifics of your case. Generally, you may be entitled to recover damages for medical expenses, lost wages, lost household contributions, pain and suffering, and property damage. In some cases, punitive damages may also be awarded.
Call