Case Types We Handle
Personal Injuries
Car Accidents
Truck Accidents
Motorcycle Accidents
Bicycle Accidents
Construction Accidents
Nursing Home Abuse
Wrongful Death
Slip and Fall Accidents
Daycare Injury & Abuse
Case Types We Handle
Personal Injuries
Car Accidents
Truck Accidents
Motorcycle Accidents
Bicycle Accidents
Nursing Home Abuse
Wrongful Death
Slip and Fall Accidents
Daycare Injury & Abuse
Premises Liability
St. Louis
Case Types We Handle
Personal Injuries
Car Accidents
Truck Accidents
Motorcycle Accidents
Bicycle Accidents
Construction Accidents
Nursing Home Abuse
Wrongful Death
Slip and Fall Accidents
Daycare Injury & Abuse
Dangerous Drugs
Defective Products
Chemical Exposure

The #1 St. Louis Insurance Claims Lawyer

Written By:
Tor Hoerman
Tor Hoerman

Attorney Tor Hoerman, admitted to the Illinois State Bar Association since 1995 and The Missouri Bar since 2009, specializes nationally in mass tort litigations. Locally, Tor specializes in auto accidents and a wide variety of personal injury incidents occuring in Illinois and Missouri.

This article has been written and reviewed for legal accuracy and clarity by the team of writers and attorneys at TorHoerman Law and is as accurate as possible. This content should not be taken as legal advice from an attorney. If you would like to learn more about our owner and experienced injury lawyer, Tor Hoerman, you can do so here.

TorHoerman Law does everything possible to make sure the information in this article is up to date and accurate. If you need specific legal advice about your case, contact us. This article should not be taken as advice from an attorney.

St. Louis Car Accident Lawyers for Insurance Claims

On this page, we’ll discuss the benefits of hiring a St. Louis Insurance Claim Lawyer, the process of a car accident insurance claim, how a lawyer can help you seek a fair settlement for medical bills and other damages, and much more.

Hiring a St. Louis Car Accident Attorney To Negotiate With an Insurance Company

The shady practices of insurance companies to minimize payouts for accident victims are an infamous open secret.

While these companies make lofty promises of “taking care” of you, the fact is that they are businesses first and foremost and will do everything in their power to minimize their liability and payouts.

That’s why having an experienced St. Louis car accident lawyer on your side is crucial when dealing with insurance companies after an accident.

St. Louis Insurance Claims Lawyer

A skilled attorney can level the playing field and fight for your rights against these powerful corporations.

If you’re currently dealing with the frustrations of negotiating with an insurance company after a car accident, our St. Louis insurance claim lawyer is here to help.

Contact TorHoerman Law to receive a free legal consultation with us today and learn how we can assist you in seeking a fair settlement from the insurance company.

You can also use our chatbot for a quick case evaluation.

Table of Contents

The Complexities of Insurance Claims in Personal Injury Cases

Navigating insurance claims for accidents involving personal injury and fatalities is multifaceted, requiring an understanding of legal, medical, financial, and emotional aspects.

Claimants benefit from the assistance of legal professionals and advocates to ensure they receive fair compensation and to manage the intricate processes involved.

Legal Complexities

Establishing liability is the most apparent issue with car accident claims and other personal injury cases.

Determining who is at fault is crucial and can be contentious.

Police reports, witness statements, and expert analyses are often needed to prove the defendant’s liability for the accident.

In some jurisdictions, if the injured party is partially at fault, it may affect the claim.

Comparative negligence can reduce the claim amount, while contributory negligence may bar recovery entirely.

Statutes of limitations or time limits for filing a victim should file a car accident claim is also a concern.

Missing these deadlines can nullify the right to claim.

Legal proceedings may be necessary if disputes arise involving attorneys, lengthy court filings, and possibly a trial.

Medical Complexities

The severity of the injuries and their anticipated impact on the victim’s life also add a layer of intricacies to the claim.

Accurate documentation of sustained injuries verified by medical professionals is essential to strengthen your claim.

This documentation should include initial treatment and long-term prognosis.

Estimating ongoing treatment, rehabilitation, and potential long-term care can be challenging, especially for long-term or permanent disabilities.

Coordinating with your lawyer and doctor ensures you’ll receive fair compensation for your injuries.

Financial Complexities

Valuation of claims for financial losses is also a significant concern when making a car accident injury claim, especially for non-economic damages.

Establishing losses for economic damages is straightforward as it covers expenses for medical bills, lost wages, and property damage.

An experienced and qualified attorney can help you quantify non-economic or subjective damages.

Non-economic damages include pain and suffering, emotional distress, and loss of companionship.

Each policy has limits, and if damages exceed these limits, the claimant may need to pursue additional compensation through other means, such as suing the at-fault party.

Administrative Complexities

The groundwork behind making claims for car accidents is also complicated.

Extensive documentation is required, including accident reports, medical records, proof of expenses, and correspondence with insurance companies.

Without rigorous documentation, the insurance company might deny the claim.

Coordinating between various entities, such as insurance adjusters, medical providers, and legal professionals, can be complicated and cause miscommunication issues.

Working with an attorney can remove these issues from your plate.

Another infamous issue with processing claims for motor vehicle accidents is the sketchy tactic insurance adjusters employ to minimize the victim’s payout.

Disagreements over the claim amount or coverage details can lead to prolonged disputes, sometimes requiring mediation or arbitration.

Car Insurance Facts and Statistics

In Missouri, as well as in many states in the U.S., it’s illegal to operate a motor vehicle without adequate liability coverage.

The minimum liability coverage requirement in Missouri is:

  • $25,000 per person for bodily injury.
  • $50,000 per accident for bodily injury.
  • $25,000 per accident for property damage.

This coverage should be enough to cover minor to moderate car accidents, but severe injuries or fatalities can quickly exceed these amounts.

According to the Insurance Information Institute (III), the auto insurance industry lost $117,875,684 on liability coverage and $91,020,987 on physical damage coverage for privately insured drivers in 2022.

According to the III’s data, this significant loss is an uptrend for the past five years.

The Role of St. Louis Car Accident Attorneys

Lawyers play a crucial role in helping car accident victims recover their rightful compensation.

Their expertise and support are essential in navigating the complex legal and administrative processes involved.

From evaluating car accident cases and ensuring accurate paperwork to communicating with insurance adjusters and negotiating settlements, lawyers provide the expertise and advocacy needed to navigate the complexities of insurance claims and secure fair compensation for their clients.

Evaluating the Case

When lawyers work on car accidents, they start by gathering detailed information about the accident, injuries, and impact on the victim’s life.

Lawyers evaluate the merits of the case to determine if there is a valid claim.

This includes analyzing evidence like police reports, witness statements, and medical records.

Lawyers assess who is liable for the accident based on the facts they have.

This process may involve reconstructing the accident scene and consulting experts.

These professionals also identify the applicable legal theories, such as negligence or strict liability, to build a strong case.

Ensuring Correct Filing of Paperwork

Lawyers ensure all necessary documents, such as medical reports, proof of expenses, and insurance policy details, are properly compiled.

They prepare and file legal documents, including complaints, motions, and other court submissions, adhering to procedural rules and deadlines.

Experienced lawyers meticulously review all paperwork to avoid errors that could delay the process or jeopardize the claim.

They ensure compliance with local laws, regulations, and insurance policy requirements.

Communicating With Insurance Adjusters

Lawyers represent victims in all communications with insurance adjusters, preventing direct contact that could lead to misunderstandings or exploitation, and their involvement ensures that discussions are conducted professionally and that the victim’s interests are prioritized.

Insurance adjusters will prioritize the company’s interests over the claimant.

Lawyers submit necessary evidence to strengthen the claim, such as medical records, witness statements, and expert testimony, and guarantee a fair settlement.

They also address any questions or requests from the insurance company promptly and accurately.

Negotiating Settlements

Lawyers help claimants seek fair settlements by accurately calculating damages.

They estimate tangible losses like medical expenses, lost wages, and property damage and help quantify intangible losses such as pain and suffering, emotional distress, and loss of consortium.

Lawyers draft demand letters outlining the compensation sought, backed by evidence and legal arguments.

They use negotiation strategies to counter lowball offers and push for a fair settlement.

Experienced motor vehicle accident lawyers leverage their experience to value claims accurately, ensuring clients know what constitutes a fair offer.

They persistently advocate for higher offers when initial settlements are inadequate, sometimes involving multiple rounds of negotiation.

Litigation and Trial Representation

If the client won’t obtain a fair settlement through negotiations, trial lawyers file a lawsuit and represent the victim in court.

They prepare for trial by gathering additional evidence, deposing witnesses, and formulating legal arguments.

During the trial, lawyers present the case to the judge or jury, examining witnesses, presenting evidence, and making legal arguments.

They aim to secure a favorable verdict that provides the compensation the victim deserves.

Post-Settlement Procedures

The lawyer’s role doesn’t stop when a settlement or verdict is received — they also oversee the distribution of settlement funds, ensuring that medical bills, legal fees, and other expenses are paid.

Lawyers also provide the victim with the rightful portion of the settlement.

Clients may ask their lawyers to assist in setting up trusts or annuities for long-term care needs and they may continue providing legal advice on related matters, such as ongoing medical treatments or additional claims.

The Process of a Car Accident Insurance Claim

Navigating the process of a St. Louis car accident case insurance claim can be complex.

This intricate process requires the expertise of an experienced insurance claim lawyer who understands the complications of dealing with insurance companies.

Initial Steps After the Accident

The insurance claim process in car accidents starts right after the crash occurs.

Steps you should do right away includes:

  • Ensure Safety and Call for Help: Check for injuries and call emergency services if needed. Ensure that everyone is safe.
  • Report the Accident: Call the police to report the accident. A police report can be crucial for your insurance claim.
  • Exchange Information: Collect the other driver’s contact and insurance information. Note down vehicle details and the accident location.

Documenting Injuries and Damages

After ensuring your and your passengers’ safety, start collecting pieces of evidence you can use to file a claim.

Evidence to document includes:

  • Take Photos and Videos: Document the accident scene, including vehicle damages, injuries, and any relevant road conditions or signs.
  • Medical Records: Seek medical attention even if injuries seem minor. Keep records of all medical treatments and expenses.
  • Keep Receipts: Save receipts for any expenses related to the accident, such as towing, repairs, and rental cars.

Filing a Claim

The steps above ensure you have enough details or types of evidence to pursue a claim.

Steps to filing a claim includes:

  • Notify Your Insurance Company: Contact your insurer immediately to report the accident and they will guide you on the next steps.
  • Provide Necessary Information: Be prepared to provide details such as the date, time, location, and description of the accident.

Dealing With Insurance Adjusters

Now comes the challenging part: dealing with insurance people.

An insurance adjuster will contact you to investigate the accident, then will assess the damage and determine the claim’s validity.

Adjusters findings include:

  • Provide Accurate Information: Be honest and accurate when describing the accident. Stick to the facts and avoid admitting fault, especially if it feels like they’re pinning the accident on you.
  • Estimates and Repairs: Obtain repair estimates for your vehicle. Your insurer may have preferred repair shops, but you can choose your own.

We recommend consulting with an insurance claim lawyer for effective negotiation.

Potential Disputes Over Fault and Compensation

Insurance companies will review the police report, witness statements, and evidence to determine fault.

This process can sometimes lead to lengthy disputes and negotiations.

If there are disagreements over the compensation amount, you may need to negotiate with the adjuster.

Be prepared to justify your claims with documentation.

If you have already hired an attorney to deal with the insurance company, they will handle all the groundwork.

The lawyer will develop effective negotiation strategies to protect your interests and ensure just compensation.

Finalizing the Claim

Once an agreement is reached, you will receive a settlement offer.

Review it with your lawyer carefully before accepting.

If it works for both of you, you may sign the paper and accept the settlement.

After agreeing to the settlement, you can make repairs and pay your medical bills.

Your insurer will disburse the funds as per the agreement.

If not, your attorney might recommend another negotiation or take your case to trial.

These steps will extend the timeline of your claim but they ensure that you’re not getting ripped off by the insurance company.

How a St. Louis Car Accident Lawyer Helps With Insurance Complexities

Hiring an insurance claim lawyer loyal to your interests is your best defense against the corrupt practices of insurance companies.

Scenarios in which car accident lawyers can help include:

  • Cases with severe injuries
  • Wrongful death claims
  • Disputed liability
  • Denied claims
  • Insurance policy disputes

Cases With Severe Injuries

Severe injuries often require extensive medical treatment and result in long-term or permanent disability.

An insurance claims lawyer can help gather and present complex medical evidence to substantiate the claim.

These types of injuries typically warrant higher compensation for medical expenses, lost wages, and pain and suffering.

A lawyer can negotiate effectively to ensure you receive the maximum compensation you are entitled to.

Wrongful Death Claims

If the victim is involved in a fatal car accident in St. Louis, the surviving family members may need to file a wrongful death claim.

An insurance claims lawyer can guide them through this emotionally and legally challenging process.

Wrongful death claims involve complex legal procedures and require thorough documentation.

A lawyer can handle these aspects, allowing the family to focus on grieving and recovery.

Disputed Liability

Pointing fingers is common in car accident cases.

The accused defendant might deflect responsibility for the accident and dispute the plaintiff’s claims, further complicating the insurance claim process.

An insurance claims lawyer can gather evidence, interview witnesses, and work with accident reconstruction experts to establish fault.

Insurance companies may also deny or reduce claims based on disputed liability.

A lawyer can negotiate on your behalf to challenge these decisions and seek a fair resolution.

Denied Claims

If your insurance claim is denied, a lawyer can help you understand the reasons for the denial and guide you through the appeals process.

The lawyer can identify any errors or unfair practices by the insurance company.

If an insurance company acts in bad faith by delaying payments, underpaying claims, or using unfair tactics to deny claims, a lawyer can hold them accountable.

An insurance claims lawyer can represent you in court and pursue litigation to obtain the compensation you deserve.

Insurance Policy Disputes

Disputes over the interpretation of insurance policy terms and coverage can arise.

A lawyer can analyze your policy, explain your rights, and challenge any unfair interpretations by the insurer.

Insurance companies may try to apply exclusions or limitations to reduce their payout.

A lawyer can contest these and argue for broader coverage based on the policy terms.

TorHoerman Law: Talk to Our Experienced St. Louis Car Accident Lawyers

Insurance claim negotiations are lengthy and complex.

With so much at stake, it’s crucial to have a skilled lawyer representing your interests.

At TorHoerman Law, our St. Louis car accident lawyers have extensive experience handling insurance claims.

We understand the tactics used by insurance companies and know how to counter them effectively.

Contact us today to schedule a consultation and get the legal representation you deserve.

You can also use our chatbot for a free and quick case evaluation.

Frequently Asked Questions

  • What does a St. Louis insurance claims lawyer do?

    A St. Louis insurance claim lawyer assists car accident victims in navigating the complex process of filing and negotiating insurance claims.

    They gather necessary documentation, handle communications with the insurance company, and work to secure fair compensation for damages such as medical bills, lost wages, and pain and suffering.

    By leveraging their expertise, they ensure that clients receive the best possible outcome from their insurance claims.

  • Why should I hire a St. Louis car accident attorney to handle my insurance claim?

    Hiring a St. Louis car accident attorney is crucial because insurance companies often use tactics to minimize payouts.

    An experienced attorney can effectively counter these tactics, handle all negotiations, and protect your rights.

    They work to maximize your compensation for medical expenses, property damage, and other losses related to the car accident, ensuring you receive fair compensation.

  • What should I do if my insurance claim is denied?

    If your insurance claim is denied, it is essential to seek the assistance of a St. Louis insurance claim lawyer.

    An attorney can review the denial, identify any errors or unfair practices, and guide you through the appeals process.

    They can negotiate with the insurance company on your behalf and, if necessary, represent you in court to challenge the denial and pursue the compensation you deserve.

  • How can a lawyer help with disputed liability in a car accident case?

    In cases of disputed liability, a St. Louis car accident attorney can be instrumental in gathering and presenting evidence to establish fault.

    They can work with accident reconstruction experts, interview witnesses, and review police reports and other documentation to build a strong case.

    By effectively challenging the insurance company’s determination of fault, a lawyer can help ensure that you receive the compensation you are entitled to.

  • What types of damages can a St. Louis insurance claims lawyer help me recover?

    A St. Louis insurance claim lawyer can help you recover various types of damages, including medical expenses, lost wages, property damage, and pain and suffering.

    They can also assist with compensation for long-term or permanent disabilities resulting from the accident.

    By accurately calculating the total damages and negotiating with the insurance company, a lawyer can help secure a fair settlement that covers all your losses.

Written By:
Tor Hoerman

Tor Hoerman

Owner & Attorney - TorHoerman Law

Do You
Have A Case?

Here, at TorHoerman Law, we’re committed to helping victims get the justice they deserve.

Since 2009, we have successfully collected over $4 Billion in verdicts and settlements on behalf of injured individuals.

Would you like our help?

About TorHoerman Law

At TorHoerman Law, we believe that if we continue to focus on the people that we represent, and continue to be true to the people that we are – justice will always be served.

Do you believe you’re entitled to compensation?

Use our Instant Case Evaluator to find out in as little as 60 seconds!

$20 Million
Toxic Tort Injury

In this case, we were able to successfully recover $20 Million for our client after they suffered a Toxic Tort Injury due to chemical exposure.

$103.8 Million
COX-2 Inhibitors Injury

In this case, we were able to successfully recover $103.8 Million for our client after they suffered a COX-2 Inhibitors Injury.

$4 Million
Traumatic Brain Injury

In this case, we were able to successfully recover $4 Million for our client after they suffered a Traumatic Brain Injury while at daycare.

$2.8 Million
Defective Heart Device

In this case, we were able to successfully recover $2.8 Million for our client after they suffered an injury due to a Defective Heart Device.

Guides & Resources
Do You
Have A Case?

Here, at TorHoerman Law, we’re committed to helping victims get the justice they deserve.

Since 2009, we have successfully collected over $4 Billion in verdicts and settlements on behalf of injured individuals.

Would you like our help?


Related Locations

Local St. Louis Resources
Emergency Services
Department of Motor Vehicles
Sights to See
Counties We Serve
Cities We Serve

What Our Clients Have To Say