Town and Country, MO

Automobile Injury Attorney Town and Country, MO

Town and Country, MO Personal Injury Lawyers


Call 866-382-4167 for a Free Consultation | Town and Country, MO Automobile Injury Attorney

Automobile injury attorney in Town and Country, MO. The consequences of an auto accident injury are immediate and severe. If you were injured in a Town and Country, MO auto accident, you require an automobile injury attorney who will fight to get you justice. At Halvorsen Klote, we stand by those injured by the negligence of another when the whole world seems stacked against them. Insurance adjusters may try to devalue your claim, but with the help of a knowledgeable attorney, they will not be able to keep you from the best possible financial recovery you deserve. We provide outstanding legal advocacy to the vulnerable in Town and Country, MO, the Greater St. Louis area and Southern Illinois. You owe us no fees unless we win. Call a Halvorsen Klote automobile injury attorney in Town and Country, MO now at 866-382-4167 or reach out to us online for a complimentary case evaluation.

We've gotten great financial recoveries for our Town and Country, MO clients in a variety of auto accident claims, including:


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Autombile Injury Attorney Town and Country, MO | Personal Injury Lawyers | Injury Claim Lawyers | Auto Accident Law Firm Near Town and Country

Town and Country, MO Automobile Injury Attorney: Frequently Asked Questions

Most injury victims have never had to make an injury claim before, and understandably have doubts and uncertainties as to what to expect. Some of the most commonly asked questions we get are:

Do I Even Have Autombile Injury Case?

In order to have a case, your injury needs to create some form of economic damages, for instance emergency room bills or time spent off work recovering, and accident had to be caused or contributed to by somebody else. If you you were sore for a few days after the accident, 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 may not have a case either.

Never assume that you don't have a case without speaking to an attorney first. Halvorsen Klote's Town and Country, MO automobile injury attorneys offer free case evaluations for people who were injured and aren't sure if they're eligible for compensation.

Is it Worth it to Get a Lawyer for an Automobile Injury?

There are some injuries where you probably don't need a lawyer. 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 the hassle. In those types of situations, an automobile injury attorney probably isn't necessary.

However, if your injuries are more severe, result in several physical therapy or chiropractic appointments and result in lost wages, the insurance company is going to do whatever they can to pay you as little as possible. If the insurance company refuses to compensate you fairly, 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 know how to devalue claims; personal injury lawyers know how to fight back against them.

There are things besides significant injuries that require an attorney, such as if the negligent driver refuses to be held accountable, or if your injuries occurred in a multi-vehicle accident, also make an automobile injury attorney necessary.

How Much Are My Automobile Injury Worth in Town and Country, 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 skilled Town and Country, MO automobile injury attorney, you'll be compensated for:

  • Medical bills
  • Lost wages from time spent off work
  • Lost earning capacity if you can no longer work
  • Out-of-pocket expenses, such as hiring household services for chores you can't do while you're injured
  • Noneconomic damages like pain and suffering, or loss of consortium if your spousal relationship is affected by your injuries

How much money you get for your automobile injuries is mostly based on the severity of your injuries.

How Are Pain and Suffering Calculated?

The dollar amount a plaintiff receives for noneconomic 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.
  • Say you suffered a moderate neck injury, leading to $15,000 in medical expenses and lost wages, and which led to physical discomfort for four months, and further disrupted you because it forced you to wear a neck brace for a short period. Your noneconomic damages might be assigned a multiplier of three. So:

    $15,000 in economic damages × 3 for the noneconomic damages multiplier = a $45,000 financial recovery
  • The Per Diem Method — "Per Diem" means "per day" in Latin. Implementing this approach, your Town and Country, MO automobile injury attorney assigns a dollar amount to a single day of suffering, 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:
  • $200 × 121 days (four months) = $24,200 in pain and suffering damages (on top of your medical bills and lost wages)

Your attorney will use the method that applies best to your unique case.

Autombile Injury Attorney Town and Country, MO | Personal Injury Lawyers | Injury Claim Lawyers | Auto Accident Law Firm Near Town and Country

Will I Still Get Compensation if My Medical Insurance Pays For My Medical Bills?

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, your medical insurance company will place a medical lien on your settlement. 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 Town and Country, MO automobile injury attorney will know best how to reduce those liens and put as much money as possible in your pocket.

What If My Damages Exceed the Policy Limits?

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

The other driver could have those, or other policy limits, but there is still no guarantee that there's enough to compensate you for all of your damages. That doesn't mean we can't get more compensation than the limits. First, your Town and Country, MO automobile injury attorney can make an underinsured motorist claim under your own policy, that can provide compensation for the rest of your damages. Secondly, in their investigation your attorney might uncover other liable parties who you can also make a claim against.

What Other Parties Could Be Held Accountable for My Auto Accident Injuries in Town and Country, MO?

In most cases, liability is solely on the driver responsible for the accident. However, there are other people and entities that may have contributed to your accident:

  • An auto company may have negligently designed, manufactured, or tested a car component, leading to a product liability claim
  • 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 regulations allow
  • A mechanic may have negligently worked on the car, causing a defect that caused the wreck
  • A bar or restaurant if they served alcohol to a drunk driver that caused your crash
  • A local, state or federal authority responsible for designing and maintaining the safety of roads
  • 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 devalue your claim. Providing sound evidence, as well as an automobile injury attorney experienced in fighting back against insurance companies, will help prove you're not to blame.

If, as in some cases, you really were partially responsible for your injuries, you can still make a recovery. Both Missouri Law 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 at fault.

What if I Was Injured as a Passenger?

If you were injured as a passenger, you would still file a claim against the at-fault driver, even if it's someone you know. While they may have to pay a moderate amount more for insurance, that doesn't compare to the economic and noneconomic damages you've suffered as a result. An automobile injury attorney can help make the process less personal.

Will My Claim Go to Trial?

It's very unlikely that you'll be required to go attend hearings or a trial for a car accident claim. The Bureau of Justice Statistics reports that only four percent of tort claims go to trial.

Depositions and mediations are common formal procedures in automobile 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 your case and, usually, how complex it is. A personal injury claim can take anywhere from a month to three or four years before it's resolved. Many insurance adjusters immediately agree to a settlement demand letter once they've received notice that there's an attorney on the case. Other times, a fair settlement is only offered right before trial begins, 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 soon, it's always in your best interest to wait to agree to a settlement until it's the best possible financial recovery you deserve. This is your only chance to receive compensation.

Is It Expensive to Hire an Automobile Injury Attorney?

Halvorsen Klote's Town and Country, MO automobile injury attorney work on a contingency fee basis. That means we we get a portion of your final payout, and you don't owe us anything upfront. If we don't win, you don't owe us anything, so there's no financial risk involved in hiring our services.

We don't believe that money should be an obstacle for people who need quality legal representation to make a full financial recovery.

If you have any other questions about automobile injury claims, have a look at our other FAQs, have a look at our legal resources page or request a free consultation.

Other cases we take on in Town and Country, MO include:

Autombile Injury Attorney Town and Country, MO | Personal Injury Attorney | Car Crash Lawyers | Auto Accident Attorneys Near Town and Country

Hire an Automobile Injury Attorney in Town and Country, MO Today

We founded our practice on the idea that everyone should have access to the same high quality legal representation that large insurance companies have. 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 Town and Country, MO clients the best possible results. We pride ourselves on our client communication, and do everything we can to make the claims process easy and seamless for you and your Town and Country, MO family. Call a Halvorsen Klote automobile injury attorney in Town and Country, MO now at 866-382-4167 or reach out to us through our website for a free consultation.


Joel Halvorsen

Joel Halvorsen

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.


Greg Klote

Greg Klote

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.