The consequences of not responding to an insurance company after an accident depend entirely on which insurance company is contacting you and in what capacity. Those two variables produce outcomes that range from mildly inconvenient to genuinely harmful to your claim, and treating all insurance contact after an accident as equivalent produces the wrong response […]

The first thing to understand is that there is not one insurance company acting after your accident. There are potentially several, and each of them is doing something different with a different purpose, on a timeline you are not informed about, using information you may not know you have already provided. Your own insurer has […]

The accident might have been yesterday. Maybe it was this morning. You are still processing what happened, your body is still sorting out what it feels, and your phone is already ringing with an insurance adjuster on the other end who sounds helpful, sympathetic, and oddly eager to talk. The speed of that call is […]

Yes, you can recover money after a hit and run, and in many cases you can recover the same amount you would have recovered if the other driver had stayed at the scene and handed you a valid insurance card. The path to that recovery runs through your own insurance policy rather than through the […]

It happens more often than most people expect, and it happens in a specific way. The other driver is cooperative at the scene. They hand you a card or give you a policy number. You exchange information, maybe take a photo, maybe write things down. The accident feels resolved in the administrative sense that allows […]

You did everything right. You have insurance. The other driver did not, or had a policy that lapsed, or handed you a card for coverage that turned out to be fictional, and now you are standing in the gap between the accident that happened to you and the compensation that was supposed to exist for […]

The accident just happened and the other driver is out of their vehicle and they are not calm. Maybe they are yelling. Maybe they are in your face. Maybe they are making accusations, or threats, or they are the specific kind of aggressive that makes you uncertain whether this is going to stay verbal. You […]

Whatever happened at the scene, you left before you probably should have, and now you are trying to figure out what that means for your ability to recover for your injuries or your vehicle damage. The question carries more weight than most of the questions in this area of law because leaving the scene of […]

Yes, you can still make a claim. The absence of a police report does not eliminate your legal right to seek compensation for injuries caused by someone else’s negligence, and no Missouri statute or insurance policy provision makes a police report a condition precedent to filing a personal injury claim. What the absence of a […]

If you are asking this question, there is a good chance you already waited. The accident happened, you felt okay or close enough to okay that a doctor visit seemed unnecessary, and now some days have passed and something has changed, either in how you feel or in your understanding of what the claim process […]