Automobile Injury Attorney Jefferson City, MO
Jefferson City, MO Personal Injury Lawyers
Call 866-382-4167 for a Free Consultation | Jefferson City, MO Automobile Injury Attorney
Automobile injury attorney in Jefferson City, MO. Injuries in auto crashes happen in a flash, and the mental, physical and economic hardships they create happen suddenly as well. If you were injured in a Jefferson City, MO auto accident, you require an automobile injury attorney who will fight to get you justice. At Halvorsen Klote, we have dedicated our practice to fighting for injury victims when they need it the most. Insurance adjusters may try to deceive you, but with a skilled attorney by your side, you will get the justice and financial recovery you are owed. We provide outstanding legal representation to the injured in Jefferson City, MO, the Greater St. Louis area and Southern Illinois. You owe us no fees until you get the compensation you deserve. Speak to a Halvorsen Klote automobile injury attorney in Jefferson City, MO now at 866-382-4167 or contact us online for a free case evaluation.
We have experience with a number of automobile injury claims, including:
Jefferson City, MO Automobile Injury Attorney: Frequently Asked Questions
For most of our clients, this is their first foray into the injury claims process. They understandably have doubts and uncertainties as to how to proceed going about getting a financial recovery for their injuries. Some of the most commonly asked questions we get are:
Do I Even Have a Personal Injury Case?
For a claim to be valid, you have to have sustained an injury that led to some form of financial loss, such as an appointment with your GP or time spent off work recovering, and there has to be another party who is at least partially at fault for the accident. If you suffered some bumps and bruises, but you were never medically evaluated, it would be difficult for you to make a personal injury claim. If the accident was largely your fault, you cannot file a claim against someone else's insurance.
The good news is you don't have to make that decision alone. Halvorsen Klote's Jefferson City, MO automobile injury attorneys are more than happy to discuss your case for free.
Do I Need to Get a Lawyer for an Automobile Injury?
There are some cases where you probably don't need a lawyer. If there's no dispute about who to blame for the accident and your medical bills are minimal — for example, one appointment with your doctor — send copies of your records and bills to the insurance adjuster, and ask for a little more on top for inconvenience. With milder injuries where fault is clearly established, an automobile injury attorney probably isn't necessary.
However, if your injuries are more severe, require ongoing medical treatment and don't allow you to work for a period, the insurance company is going to do whatever they can to pay you as little as possible. If the insurance company isn't coming close to giving you a fair offer, or is trying to convince you that your injuries were pre-existing, then a lawyer is likely the only way you'll get what you deserve. Insurance adjusters have a lot of experience minimizing payouts; personal injury lawyers know how to get maximum compensation.
Other complications, such as if the negligent driver refuses to be held accountable, or if you were in a multi-vehicle accident, also make an automobile injury attorney necessary.
What Compensation Can I Recover For My Jefferson City, MO Automobile Injuries?
The damages you recover after an automobile injury are meant to provide you with an equitable financial recovery for all the ways an injury affected your life. With an experienced Jefferson City, MO automobile injury attorney, you'll be compensated for:
- Medical bills
- Lost wages from time spent recovering
- Lost earning capacity if you can no longer work
- Other related expenses, such as hiring transportation to and from medical appointments
- Noneconomic damages like pain and suffering, or loss of consortium if your spousal relationship is negatively impacted by your injuries
How much money you get in your car accident settlement is mostly based on how your injuries have impacted your life.
How Much Will I Get for Pain and Suffering?
The dollar amount a plaintiff receives for pain and suffering damages is determined through one of two methods:
- The Multiplier Method — With this method, we multiply the total of your medical bills, lost wages and out-of-pocket expenses by a number between 1.5 and 5, using higher numbers for more debilitating injuries.
- The Per Diem Method — "Per Diem" means "per day" in Latin. Using this method, your Jefferson City, MO automobile injury attorney determines how much money a day of suffering is worth, and multiplies that by the number of days you suffered. So, using the same whiplash injury example, say your lawyer assigned $200 a day to your injuries:
Say the negligent driver caused a whiplash injury, leading to $15,000 in economic damages, and which led to neck pain for four months, and further disrupted you because it forced you to wear a neck brace for a few days. Your noneconomic damages might be assigned a multiplier of three. So:
$15,000 in medical bills and lost wages × 3 for the noneconomic damages multiplier = $45,000 in total compensation
$200 × 121 days (four months) = $24,200 in noneconomic damages (in addition to your medical bills and lost wages)
Your attorney will use the method that applies best to your specific case.
Will I Still Get Reimbursement if My Medical Insurance Covers My Medical Bills?
Yes. All of your medical expenses will be included in your settlement or judgment, even if they were partially or fully covered by insurance. However, your medical insurance company will place a medical lien on your claim. That allows them to be compensated by the liable party's insurance, just as you are being compensated.
The law allows a variety of avenues to reduce medical liens. A skilled Jefferson City, MO automobile injury attorney will know best how to reduce those liens and make sure as little is taken out of your financial recovery as possible.
What If the Insurance Coverage is Limited?
Missouri and Illinois have almost the same minimum auto insurance requirements:
- $25,000 minimum coverage for bodily injury per person
- $50,000 minimum coverage for bodily injury per accident
- $25,000 (Missouri)/$20,000 (Illinois) minimum coverage for property damage
While the at-fault driver may have a policy with higher limits, there is still a chance with more significant injuries that your damages will exceed the policy limits. If that happens, we have a couple options. First, you can use your own policy's underinsured motorist coverage. Secondly, in their investigation your attorney might might determine that there are other liable parties who you can also make a claim against.
Who Else Could Be Liable for My Auto Accident Injuries in Jefferson City, MO?
In most cases, liability is solely on the driver that caused the crash. However, depending on the specifics of your case, other parties may be liable:
- An auto company may have negligently designed, manufactured, or tested a car component, leading to a product liability claim
- If you were injured in a truck accident, the trucking company may have failed to maintain a truck, or may have forced their driver to drive more hours than allowed
- A mechanic may have improperly repaired an automobile, which contributed to the accident
- A bar or restaurant if someone got drunk at their venue, drove afterwards and caused your injuries
- A local, state or federal body responsible for designing and maintaining the safety of roads
- A construction company if the accident was caused by an unsafe construction site
What if The Insurance Company is Saying the Accident is My Fault?
Shifting blame is a common trick insurance adjusters use to avoid paying you. Providing detailed evidence, in addition to having an automobile injury attorney experienced in fighting back against that tactic, will demonstrate that you aren't liable.
In some car accidents, both drivers really are each partially to blame. Both Missouri Revised Statute §537.765 and Illinois Law allow for what's called "comparative negligence." Meaning, if you were 30 percent at fault for the accident, you can recover 70 percent of your damages from the other party. In Illinois, your right to compensation is barred if it is determined that you were more than 50 percent liable.
What if I Was Injured as a Passenger?
If you were injured in a car that somebody else was driving, you still seek compensation from the liable driver's insurance company, even if it's someone you know. While they may have to pay a moderate amount more for insurance, which is likely far less than your economic damages. An automobile injury attorney will communicate with other side so you don't have to feel awkward.
Will I Have to Go to Court?
It's very unlikely that you'll have to go attend hearings or a trial for your automobile injuries. The Bureau of Justice Statistics reports that 96 percent of tort claims are settled before trial.
Depositions and mediations are common formal procedures in personal injury claims, but your automobile injury attorney will make sure you're adequately prepared and will handle most of the work.
How Long Will I Have to Wait Until I'm Compensated?
That depends on a lot of things, such as the severity of your injuries, how clear negligence is and even the insurance company or adjuster we're negotiating with. A personal injury claim can last anywhere from six to eight weeks to three or four years before it results in fair compensation. Many insurance adjusters start cooperating immediately once they've received notice that there's an attorney on the case. Other times, they'll wait until the eve of trial to finally agree to what is fair, or the liability and insurance coverage elements are so complex that they require substantial investigation and expert testimony.
Most cases are settled from anywhere between a few months to a year. While we'd obviously like to resolve your claim as quickly as possible, it's always the best idea to hold out for the best possible financial recovery you're entitled to. Once you agree to a settlement, your right to get additional compensation is barred.
Is It Expensive to Hire an Automobile Injury Attorney?
Halvorsen Klote's Jefferson City, MO automobile injury attorney are paid through a contingency fee. That means we we get a portion of your final payout, and you don't owe us anything upfront. If we don't secure any compensation for you, you don't pay, so there's no financial risk involved in hiring our services.
We see no reason that money should be a barrier for people who just want to be fairly compensated for their injuries.
To learn more about the claims process, check out our other FAQs, have a look at our legal resources page or call us at 866-382-4167.
Other cases we take on in Jefferson City, MO include:
- Bike Wreck Lawyer
- What to Do After a Car Accident
- Premises Liability Attorneys
- Motorcycle Accidents Attorney
- Lawyer for Bicycle Accident
- Pedestrian Accident Lawyer
- Injury Claim Lawyer
- Drunk Driving Accident Lawyers
- Auto Crash Attorney
Consult With an Automobile Injury Attorney in Jefferson City, MO Today
We founded our practice on the idea that an injury victim should have access to the same high quality legal representation as the insurance companies that are trying to keep them from the financial recovery they are owed. Injuries are always unexpected and can leave you with a profound sense of uncertainty. But you don't have to go through the claims process alone. We fight back against insurance companies every day and know how to get our Jefferson City, MO clients the full financial recovery they deserve. We always have open lines of communication with our clients, and do everything we can to make the claims process easy and seamless for you and your Jefferson City, MO family. Call a Halvorsen Klote automobile injury attorney in Jefferson City, MO now at 866-382-4167 or reach out to us online for a complimentary case evaluation.
Attorney at Law
Joel Halvorsen and his partner Greg Klote founded the Halvorsen Klote law firm on the principle that injured people and their families should have access to the same quality legal representation as large insurance companies.
Attorney at Law
Greg Klote is a partner and founder of Halvorsen Klote.
Greg has successfully fought for people who were injured through no fault of their own. He became a lawyer to help make a difference in the lives of those who have been wronged and treated unfairly.