Automobile Injury Attorney Mexico, MO
Mexico, MO Personal Injury Lawyers
Call 866-382-4167 for a Free Consultation | Mexico, MO Automobile Injury Attorney
Automobile injury attorney in Mexico, MO. The effects of an auto accident injury are immediate and severe. If you were injured in a Mexico, MO auto accident, you require an automobile injury attorney who will defend your rights. At Halvorsen Klote, we fight for injury victims when the whole world seems stacked against them. Insurance adjusters can seem heartless, but with a knowledgeable attorney in your corner, they will not be able to prevent you from collecting the best possible compensation you are owed. We serve the vulnerable in Mexico, MO, the Greater St. Louis area and Southern Illinois. You owe us no fees unless we win. Speak to a Halvorsen Klote automobile injury attorney in Mexico, MO now at 866-382-4167 or contact us online for a complimentary case review.
We've gotten great financial recoveries for our Mexico, MO clients in a variety of auto accident claims, including:
Mexico, MO Automobile Injury Attorney: Frequently Asked Questions
Most people who call our office have never had to make an injury claim before, and understandably have a lot of questions as to the process and what to expect. Some of the most commonly asked questions we get are:
Do I Even Have a Personal Injury Claim?
In order to have a case, your injury needs to create some amount of economic damages, such as urgent care bills or lost wages, 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.
Never assume that you can't make a successful claim without speaking to an attorney first. Halvorsen Klote's Mexico, MO automobile injury attorneys offer free case evaluations for people who were injured and aren't sure if they have a case.
Do I Need to Get a Lawyer for an Automobile Injury?
There are some cases where a lawyer won't be able to add much value to your claim. If the other party accepts responsibility and your medical expenses aren't very high — for example, one emergency room visit — send detailed records to the insurance adjuster, and see if you can get some extra money for inconvenience. With milder injuries where fault is clearly established, it's unlikely an automobile injury attorney will be able to get you significantly more money.
But, with more significant injuries that result in months of physical therapy or chiropractic appointments and cause you to lose time off work, the insurance company is going to do whatever they can to pay you as little as possible. If the insurance company refuses to give 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 are owed. Insurance adjusters know how to devalue claims; personal injury lawyers know how to have just as much experience holding them accountable.
There are things besides significant injuries that require an attorney, such as if there is a dispute over liability, or if your injuries occurred in a multi-vehicle accident, also make an automobile injury attorney required.
How Much Are My Automobile Injury Worth in Mexico, MO?
The damages you recover after a car accident are meant to provide you with an equitable financial recovery for all the ways an injury affected your life. With a talented Mexico, MO automobile injury attorney, you'll be compensated for:
- Medical expenses
- Lost wages from time spent recovering
- Lost earning potential if you can no longer work
- Other related expenses, such as hiring a nanny or take care to look after your kids
- Noneconomic damages like pain and suffering, or loss of consortium if your injuries prevent you from helping and giving affection to your spouse
How much compensation you receive for your automobile injuries is mostly based on how your injuries have impacted your life.
How Are Noneconomic Damages Calculated?
The dollar amount a plaintiff receives for pain and suffering damages is determined through one of two methods:
- The Multiplier Method — With this method, your economic damages will be multiplied by a number, typically between 1.5 and 5, using higher numbers for more significant injuries.
- The Per Diem Method — "Per Diem" means "per day" in Latin. Using this method, your Mexico, MO automobile injury attorney determines how much money a day of suffering is worth, and multiplies that by the number of days your injuries affected you. So, if we stick with the same example, say your lawyer assigned $200 a day to your injuries:
For example, you suffered a moderate neck injury, leading to $15,000 in medical expenses and lost wages, and which caused you to have neck pain for four months, and further disrupted you because it forced you to wear a neck brace for a week. The pain and suffering might be given a multiplier of three. So:
$15,000 in economic damages × 3 for a pain and suffering multiplier = $45,000 in final 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 Compensation if My Medical Insurance Pays For My Medical Expenses?
Yes. The settlement or judgment is based on all of your medical expenses, regardless of whether it was paid for by insurance or out of pocket. However, insurance companies and medical providers have a right place a medical lien on your compensation. That allows them to collect the money that paid for your injuries from your compensation.
There are various legal remedies to reduce medical liens. A skilled Mexico, MO automobile injury attorney will be able to work with your insurance company and healthcare providers to reduce those liens and put as much money as possible in your pocket.
What If the Insurance Coverage is Limited?
- $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 more coverage, 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, your Mexico, MO automobile injury attorney can make an underinsured motorist claim with your own insurance company, that can provide compensation for the rest of your damages. Secondly, your attorney can find out if there are other liable parties.
Who Else Could Be Liable for My Auto Accident Injuries in Mexico, 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 manufacturer may may have produced a faulty vehicle component, leading to a product liability claim
- In a truck crash, the trucking company may have failed to maintain a truck, or may have required their driver to drive more hours than regulations allow
- A mechanic may have negligently worked on the car, causing a defect that had a hand in the wreck
- A licensed alcohol vendor if someone got drunk at their venue, drove afterwards and caused a crash
- A government body responsible for keeping roads safe
- A construction company if a construction site was not properly cordoned off
What if I'm Being Blamed For My Accident?
An insurance adjuster may try to blame you for your accident in order to avoid paying you. Providing detailed evidence, as well as an experienced automobile injury attorney fighting back against insurance companies, will demonstrate that you aren't liable.
In some car accidents, both drivers really are each partially liable. Both Missouri Revised Statute §537.765 and 735 ILCS 5/2-1116 allow for what's called "comparative fault." Meaning, each party pays for the percentage of fault they bear for the accident. In Illinois, you cannot make any recovery if it is determined that you were more than 50 percent liable.
What if I Was Injured as a Passenger?
If you were injured as a passenger, you still seek compensation from the liable driver's insurance company, even if it's someone you know. While their insurance premiums might go up a little, 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?
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 do most of the work themselves.
How Long Will I Have to Wait Until I'm Compensated?
Each case is different, and the more complicated a case, usually the longer it takes. A personal injury claim can take anywhere from a month to three or four years before it results in fair compensation. Many insurance adjusters start cooperating immediately once they know that you hired a lawyer. 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 considerable investigation and time put in.
Most cases are settled from anywhere between a few months to a year. While while we understand that you'd like to receive your compensation earlier than not, it's always in your best interest to wait to agree to a settlement until it's the full, fair compensation you're entitled to. Once you agree to a settlement, you can never go back and ask for more money later.
Is It Expensive to Hire an Automobile Injury Attorney?
Halvorsen Klote's Mexico, MO automobile injury attorney work on a contingency fee basis. That means we we get a portion of your final payout, and there are no upfront costs. If we don't win, you don't owe us anything, so there's no reason to see money as an obstacle in hiring one of our lawyers.
We see no reason that money should be a barrier for people who just want to be fairly compensated for their injuries.
Other injury claims we handle in Mexico, MO include:
- Motorcycle Accidents Attorney
- Lawyer for Bicycle Accident
- Pedestrian Accident Lawyer
- Injury Claim Lawyer
- Drunk Driving Accident Lawyers
- Auto Crash Attorney
- Truck Crash Lawyers
Consult With an Automobile Injury Attorney in Mexico, MO Today
We founded our practice on the idea that everyone deserves the same high quality legal representation that large insurance companies have. An injury is shocking and create fear and confusion. 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 Mexico, 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 Mexico, MO family. Call a Halvorsen Klote automobile injury attorney in Mexico, MO today at 866-382-4167 or reach out to us through our website for a free case evaluation.