When considering whether to hire a personal injury lawyer for your Missouri personal injury claim or to handle it yourself, it's important to take into consideration the steps necessary for filing an injury claim.
The Missouri Personal Injury Claim Process
You must first gather the necessary documents for your personal injury claim if you choose to represent yourself:
- police report from the accident;
- accident scene photos;
- names and contact information of any potential witnesses;
- statements from witnesses;
- photographic documentation of your injuries;
- medical records and bills; and
- pay stubs to prove loss of wages.
Once you have collected the documentation you will need, you must determine the value of your case, indicate your demand to the insurance company, and convince the insurance adjuster assigned to your Missouri personal injury claim that the damage resulting from your Missouri accident merits the demands you have made.
You will send a demand letter to the insurance company, describing the accident and the resultant injuries and damages such as medical costs, property damage and lost wages. You will also explain why the other driver was liable for the accident and specify a dollar amount.
After reviewing your demand letter, the insurance adjuster will begin negotiating with you. It's always better to ask for more than you actually need, because the adjuster will try to whittle away at your claim in a series of letters and conversations.
If the insurance company makes an offer you find reasonable, you will confirm your agreement in writing, and a check for the specified amount will be issued to you.
In some cases, the insurance company will refuse to agree to a dollar amount that meets your satisfaction. In instances like these, it's highly advisable to meet with a St. Louis personal injury lawyer who has the experience to take your case to court and fight for the compensation you are entitled to.
