The value of a car accident claim is intrinsically tied to the medical treatment a claimant receives, making follow-up care one of the most determinative factors in settlement negotiations and litigation. Insurance companies and courts rely heavily on documented medical evidence to assess the severity of injuries, the necessity of treatment, and...
Article Library for Your Personal Injury Claim
Claims adjusters are trained professionals whose primary objective is to resolve claims as efficiently and cost-effectively as possible for the insurer. This inherent conflict of interest means that their questions, tone, and documentation practices are often designed to elicit information that could undermine the claimant's position. Psychological...
Missouri law imposes specific obligations on individuals involved in car accidents to report incidents promptly, both to law enforcement and insurance providers. Under § 577.060 of the Missouri Revised Statutes, drivers must immediately notify local police or the Missouri State Highway Patrol if an accident results in injury, death, or property...
Underinsured motorist (UIM) claims in Missouri represent a critical avenue for compensation when an at-fault driver lacks sufficient insurance coverage to fully compensate an injured party. Missouri law mandates that all auto insurance policies include UIM coverage unless explicitly rejected in writing by the policyholder, underscoring the state's...
Ellisville, situated in St. Louis County, has its own unique traffic patterns, local ordinances, and judicial tendencies that can significantly influence the outcome of a personal injury claim. The city's proximity to major highways like Interstate 44 and Manchester Road increases the likelihood of high-speed collisions, which often result in...
The interpretation and application of civil unrest exclusions in Missouri insurance policies present a complex legal landscape that requires meticulous scrutiny of policy language, judicial precedent, and statutory frameworks. These exclusions, often embedded within property and casualty insurance policies, are designed to shield insurers from...
Missouri auto insurance policies frequently contain exclusions for vehicles used for commercial purposes, which can significantly impact coverage in the event of a claim. These exclusions are rooted in the principle that commercial use presents higher risks than personal use due to increased mileage, heavier loads, and more frequent operation,...
Chesterfield's decision to remove curb bump-out islands—those extended sidewalk protrusions into the street—has triggered the usual outcry from traffic-calming enthusiasts. But let's be honest: These obstructions are more about bureaucratic box-checking than real safety, and their removal is a long-overdue correction to misguided urban planning.
Insurance policies frequently contain exclusions for injuries, damages, or liabilities arising from participation in racing or speed contests. These exclusions are designed to mitigate the heightened risks associated with high-speed competitive events, which inherently increase the likelihood of accidents, property damage, and bodily injury. Courts...
When you are involved in a car accident caused by another driver who lacks insurance, the situation immediately becomes more legally and financially complex. Unlike accidents where both parties are insured, an uninsured motorist scenario forces you to navigate alternative avenues for compensation, often requiring litigation or reliance on your own...