Even seemingly minor car accidents can cause serious injuries. 

According to Georgia State’s HyperPhysics Project, a 160 lb person traveling at 30 miles per hour can experience up to 30 Gs of force in a front-end collision with a fixed object.

That is equivalent to getting tackled by an NFL linebacker!

The impact can cause your spine and surrounding muscles to absorb a tremendous amount of force, leading to painful and lasting injuries. That’s why it’s so important to seek medical attention as soon as possible after an accident, even if you feel fine at first. 

And if you need help recovering compensation to cover car repairs, medical bills and time away from work, the St. Louis personal injury attorneys at Niemeyer, Grebel and Kruse are here for you. Call us anytime at 314-241-1919 to schedule your free case review.

What Are the Symptoms of a Back Injury After a Car Accident?

The adrenaline rush following a car crash can mask pain and discomfort for the next 24-36 hours. This leads many people to underestimate the severity of their injuries. 

Pay close attention to how you’re feeling after the crash, and don’t hesitate to visit a doctor if anything seems amiss. Not only does this give you the best chance at recovery, but it also provides a crystal clear paper trail that could be critical if you need to pursue legal action.

Here are some common symptoms that might indicate that you have a back injury:

1. Pain and Stiffness – One of the most common signs of a back injury is pain or stiffness in the back, neck or shoulders. This pain may be sharp, stabbing or a dull ache, and it can range from mild to severe. It may worsen with movement or after rest.
2. Limited Range of Motion – If you find it difficult to move your back, neck, or shoulders, or if you experience a reduced range of motion, it could be a sign of a back injury. This can include difficulty bending, twisting, or turning your head.
3. Numbness or Tingling: A back injury may cause numbness, tingling or a “pins and needles” sensation in your arms, hands, legs or feet. This can indicate nerve damage or compression, which requires prompt medical attention.
4. Muscle Weakness – Weakness in the muscles of your back, neck, arms or legs could be a sign of a more serious injury, such as a herniated disc or spinal cord injury.
5. Headaches – Persistent headaches, particularly at the base of the skull, can be related to a back injury, especially if the neck or upper back is involved.
6. Radiating Pain – Pain that radiates from the back to other parts of the body, such as down the legs (sciatica), can be a sign of a more severe injury, such as a herniated disc or spinal nerve impingement.
7. Swelling or Bruising – Visible swelling or bruising around the spine or lower back area can indicate an injury. This can also be accompanied by tenderness to the touch.

If you experience any of these symptoms following a car accident, your first call should be to a healthcare professional as soon as possible.

The 5 Most Common Back Injuries

Below are the five of the most common back injuries caused by car accidents:

1. Whiplash

Whiplash is one of the most frequently reported injuries following a car accident, particularly in rear-end collisions. It occurs when the head is suddenly jerked forward and then snapped back, similar to the motion of a whip. 

This rapid movement can stretch and tear the muscles and ligaments in the neck and upper back.

Symptoms

• Neck pain and stiffness
• Headaches, particularly at the base of the skull
• Dizziness or vertigo
• Fatigue
• Blurred vision
• Tingling or numbness in the arms

Treatment

• Rest and ice application
• Physical therapy
• Pain relievers and anti-inflammatory medications
• Cervical collars or neck braces for support

Whiplash can range from mild to severe, and while some people recover within a few weeks, others may experience chronic pain and long-term complications.

2. Muscle Strains and Sprains

Muscle strains and sprains are common in car accidents due to the sudden, forceful impact. A strain involves stretching or tearing a muscle or tendon, while a sprain involves stretching or tearing a ligament. 

These injuries can affect the muscles and ligaments in the back, leading to significant pain and limited mobility.

Symptoms

• Localized pain in the back
• Muscle spasms
• Swelling or bruising
• Difficulty moving or bending

Treatment

• Rest and avoiding activities that exacerbate pain
• Ice packs to reduce swelling
• Physical therapy to strengthen the muscles
• Over-the-counter pain relievers

While muscle strains and sprains are generally less severe than other back injuries, they can still be debilitating and require time to heal properly.

3. Herniated Discs

A herniated disc occurs when one of the soft, gel-like discs between the vertebrae in the spine ruptures or bulges, pressing on nearby nerves. 

This injury is common in car accidents due to the intense pressure exerted on the spine during impact.

Symptoms

• Sharp, shooting pain that radiates down the arms or legs (depending on the location of the herniation)
• Numbness or tingling in the limbs
• Muscle weakness
• Difficulty with movement and flexibility

Treatment

• Physical therapy to strengthen the surrounding muscles
• Pain management, including medication or epidural steroid injections
• In severe cases, surgery may be required to repair or remove the damaged disc

Herniated discs can cause significant discomfort and may lead to chronic pain or permanent nerve damage if not treated properly.

4. Spinal Fractures

Spinal fractures, also known as vertebral fractures, are serious injuries that can occur when the bones in the spine are broken or crushed during a car accident. 

These fractures can vary in severity, from minor cracks to more complex breaks that may result in spinal cord injury.

Symptoms

• Severe back pain that worsens with movement
• Numbness, tingling or weakness in the limbs
• Difficulty standing or walking
• Loss of bowel or bladder control in severe cases

Treatment

• Immobilization with a back brace or corset to prevent further injury
• Pain management through medication
• Physical therapy to regain strength and mobility
• Surgery may be necessary to stabilize the spine or repair damaged vertebrae

Spinal fractures require immediate medical attention, as they can lead to long-term disability or paralysis if the spinal cord is affected.

5. Spinal Cord Injuries

Spinal cord injuries are among the most severe consequences of a car accident. These injuries occur when the spinal cord is damaged, often resulting in partial or complete loss of function below the site of injury. 

Spinal cord injuries can be life-altering, leading to paralysis and other significant health challenges.

Symptoms

• Loss of movement or sensation below the injury site
• Difficulty breathing or controlling bodily functions
• Chronic pain or pressure in the neck or back
• Muscle weakness or paralysis in the limbs

Treatment

• Emergency medical care to prevent further damage
• Surgery to stabilize the spine and remove bone fragments or foreign objects
• Rehabilitation and physical therapy to maximize remaining function
• Assistive devices, such as wheelchairs or braces, to aid mobility

The prognosis for spinal cord injuries depends on the severity and location of the injury, and early intervention is critical for the best possible outcome.

What Should I Do If I Have A Back Injury?

If you suspect that your back was injured in a car accident, there are a few things you should do:

1. Seek Medical Attention Immediately

The first and most crucial step is to get medical care as soon as possible. 

As we mentioned above, even if your symptoms seem mild at first, it’s important to be evaluated by a healthcare professional. 

Some injuries, like whiplash or herniated discs, may not show symptoms until hours or even days after the accident. A thorough medical examination can help identify any hidden injuries and ensure you receive the appropriate treatment before the condition worsens.

2. Follow Your Doctor’s Advice

After your initial examination, follow your doctor’s recommendations carefully. 

This may include attending follow-up appointments, participating in physical therapy, taking prescribed medications and avoiding activities that could exacerbate your injury. 

Adhering to your treatment plan is not only essential for your recovery but also for documenting your injury and treatment process.

3. Keep Detailed Records 

Maintain detailed records of your medical visits, treatments, medications and any related expenses. 

Document your symptoms and how they affect your daily life. This information will be invaluable if you need to pursue a personal injury claim, as it helps establish a clear connection between the accident and your injury.

4. Avoid Discussing Your Case 

Be cautious about discussing your injury or accident with anyone other than your healthcare provider or lawyer. 

Insurance companies may try to minimize your claim, and anything you say could be used against you. It’s best to let your lawyer handle all communications related to your case.

5. Consult with a Personal Injury Lawyer 

After ensuring that your health is being taken care of, the next step is healing up and getting back to life. 

A personal injury lawyer can help you do that. An experienced lawyer can help you recover compensation for your medical bills, car repairs and time away from work. They will guide you through the legal process, negotiate with insurance companies on your behalf, and work to secure the best possible outcome for your case.

At Niemeyer, Grebel and Kruse, we understand the physical, emotional and financial toll that a back injury can take. Our team is here to help you navigate the complexities of your case and ensure you get the compensation you deserve. 

Get 24/7 Legal Help

When you’ve been injured in a car accident, you need a legal team that’s ready to fight for you — day or night. 

At Niemeyer, Grebel and Kruse, you’re not just hiring a law firm; you’re securing the expertise of St. Louis’ top personal injury attorneys. Mark Niemeyer, David Grebel, and Michael Kruse are seasoned trial lawyers who know how to win, whether in civil or criminal court. 

Contact NGK Law at 314-241-1919 for a free case review and get the help you need, when you need it most.

It’s natural to focus on visible injuries like cuts and bruises after a car crash. 

However, some of the most dangerous injuries aren’t immediately apparent. 

Internal bleeding can occur without any external signs, making it critically important to monitor how you’re feeling in the hours and days following an accident. Adrenaline can mask the symptoms, leading many to underestimate the severity of their injuries. 

Ignoring the subtle signs of internal bleeding can be life-threatening, so it’s essential to seek medical attention as soon as possible, even if you feel relatively fine. 

What Is Internal Bleeding?

Internal bleeding occurs when blood vessels within the body are damaged, causing blood to leak into surrounding tissues, organs or cavities. 

Unlike external bleeding, where the damage is visible on the skin’s surface, internal bleeding is, well, internal, so it’s hidden from view. This makes it more difficult to detect and diagnose. 

The severity of internal bleeding can range from minor to life-threatening, depending on the location of the injury and the amount of blood loss. If left untreated, internal bleeding can lead to shock, organ failure or even death.

How Do Car Accidents Cause Internal Bleeding?

Car accidents can cause internal bleeding in several ways, depending on the type and severity of the crash. 

The force generated during a crash can be immense, and even with the protection of seatbelts and airbags, the human body can sustain significant trauma. 

Here are some common ways that car accidents can cause internal bleeding:

1. Blunt Force Trauma

Blunt force trauma is the most common cause of internal bleeding in car accidents. This occurs when the body is struck by an object or hits a surface with significant force, such as when the chest strikes the steering wheel or the abdomen hits the seatbelt. 

The impact can cause blood vessels to rupture, leading to bleeding within organs, tissues or cavities.

2. Penetrating Injuries

Penetrating injuries occur when an object pierces the skin and damages internal structures. In a car accident, this could happen if debris from the crash, such as shattered glass or metal fragments, punctures the body. 

These injuries can cause severe internal bleeding, particularly if major blood vessels or organs are affected.

3. Bone Fractures

When bones are broken or fractured in a car accident, the sharp edges of the bone can tear nearby blood vessels, leading to internal bleeding. 

Rib fractures, for example, can puncture the lungs or damage the spleen, causing significant internal bleeding that may not be immediately apparent.

4. Organ Damage

The impact of a car crash can cause organs to be compressed, crushed or torn. Organs like the liver, spleen and kidneys are particularly vulnerable to injury. 

Damage to these organs can result in internal bleeding, which may be slow and gradual or rapid and severe, depending on the extent of the injury.

5. Seatbelt Injuries

While seatbelts are essential for protecting you during a car crash, they can sometimes cause injuries themselves. 

The pressure exerted by a seatbelt during a sudden stop can cause internal bleeding, particularly in the abdominal area. This is known as “seatbelt syndrome” and can involve damage to internal organs or blood vessels.

Symptoms of Internal Bleeding

Unlike external injuries, the signs of internal bleeding can be subtle and may not appear immediately. This makes it essential to pay close attention to your symptoms in the hours and days following the accident. 

Here are some key symptoms to watch for:

1. Abdominal Pain and Swelling

Pain or tenderness in the abdomen can be a sign of internal bleeding, especially if it worsens over time. Swelling or bloating in the abdomen may also indicate the accumulation of blood in the abdominal cavity.

2. Deep Bruising

While bruising is common after a car accident, deep or unusually large bruises, particularly on the abdomen, chest or back, can be a sign of internal bleeding. These bruises may be accompanied by tenderness or pain when touched.

3. Dizziness or Fainting

Dizziness, lightheadedness, or fainting can occur if internal bleeding leads to a significant loss of blood, resulting in a drop in blood pressure. This is a serious symptom that requires immediate medical attention.

4. Weakness or Fatigue

Feeling unusually weak, tired or fatigued after a car accident can be a sign that your body is losing blood internally. This symptom can worsen as the bleeding continues, leading to more severe complications.

5. Shortness of Breath

Difficulty breathing or shortness of breath can indicate internal bleeding in the chest or around the lungs. This symptom may be accompanied by chest pain or a feeling of tightness in the chest.

6. Nausea or Vomiting

Nausea, vomiting or a general feeling of sickness can be signs of internal bleeding, particularly if the bleeding is occurring in the abdomen. Vomiting blood or a substance that looks like coffee grounds is a particularly serious sign and requires immediate medical attention.

7. Blood in Urine or Stools

The presence of blood in your urine or stools is a clear indication of internal bleeding, often related to injuries to the kidneys, bladder or intestines. This symptom should not be ignored and warrants prompt medical evaluation.

8. Pale, Cold, or Clammy Skin

As blood loss progresses, you may notice your skin becoming pale, cold or clammy. This is a sign that your body is going into shock, a life-threatening condition caused by severe blood loss.

9. Severe Headaches or Vision Changes

Internal bleeding in the brain can lead to intense headaches, blurred vision or other neurological symptoms such as confusion, difficulty speaking or loss of coordination. These symptoms require immediate emergency care.

If you experience any of these symptoms after a car accident, seek medical attention right away. Internal bleeding can escalate quickly and may become life-threatening without prompt treatment. Don’t hesitate to visit an emergency room or contact your healthcare provider if you suspect internal bleeding.

Get Legal Help 24/7

If you’ve been in a car accident and suspect internal bleeding or any other serious injury, your first priority should be your health. 

But as you focus on your recovery, don’t forget the importance of protecting your legal rights. 

At Niemeyer, Grebel, & Kruse, our team of experienced personal injury attorneys is here for you around the clock. We understand the complexities of car accident cases and are committed to helping you secure the compensation you deserve for your medical bills, lost wages and other damages. 

Contact us anytime at 314-241-1919 for a free consultation and let us fight for you while you focus on getting better.

Missouri drivers are required by law to carry a minimum amounts of liability insurance and uninsured motorist coverage.

These policies protect you from having to pay sometimes significant out-of-pocket costs in the case of a car accident. They’re very important, and that’s why it’s against the law to get behind the wheel without them.

But, sometimes life happens.

Policies get accidentally canceled, payments get missed, or you might simply not have coverage in place when an accident occurs. If you find yourself in this situation where someone hits your car and you don’t have insurance, your options are limited, but not impossible.

If you or someone you know was involved in a car accident that was someone else’s fault, the St. Louis car accident attorneys at Niemeyer, Grebel and Kruse are here to help. Call 314-241-1919 for help.

What Are The Insurance Minimums in Missouri?

Missouri law requires all drivers to carry minimum amounts of liability and uninsured motorist insurance.

Liability Insurance Minimums

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

Uninsured Motorist Coverage Minimums

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

What Happens If I Get Into A Crash Without Insurance?

First, because it is illegal to drive without insurance in Missouri, getting into a car accident will likely result in penalties if you are uninsured.

Penalties for your first offense of driving without auto insurance include:

• Suspension of your driver’s license and vehicle registration until you provide proof of insurance coverage
• $20 license reinstatement fee
• Administration fees between $25 and $50
• Four points on your driving record

These penalties increase for subsequent offenses of driving without car insurance.

If You Were Not At Fault

Next, if the car accident was not your fault, you still have some options to recover damages.

Because the other driver was at fault, their liability insurance should cover the cost of your damages, including car repairs and medical expenses. However, without your own insurance, the process may be more complicated, and the at-fault driver’s insurance company might be less cooperative.

To protect your interests and maximize your chances of recovering full compensation, especially if you were injured in the crash, it might be worthwhile to work with a personal injury attorney. 

An experienced car accident attorney can help you navigate the legal complexities, negotiate with the insurance company on your behalf and ensure that you receive the compensation you deserve for your damages. This is especially important if the at-fault driver’s insurance is trying to minimize your claim or if there are disputes over who is at fault.

If You Were At Fault

If you are determined to be at fault for a car accident that occurred while you were uninsured, you can be responsible for covering the cost of:

• Property damage incurred by the other driver
• Legal fees related to lawsuits brought by the other party
• Medical expenses for anyone injured as a result of the accident
• Higher premiums if you do purchase auto insurance later

While being at fault and uninsured places you in a difficult situation, you can still mitigate the financial impact if the other driver was also partially responsible for the accident.

In Missouri, the state follows a system of comparative fault. This means that if you are found to be partially at fault for the accident, the amount of damages you are required to pay can be reduced by the percentage of fault attributed to the other driver. For example, if you were found to be 70% at fault and the other driver was 30% at fault, your liability for damages would be reduced by that 30%.

Get Legal Help From a Missouri Car Accident Attorney

If you’ve been in a car accident and don’t have auto insurance, a personal injury lawyer can provide you with the valuable legal help you need.

Your attorney will negotiate on your behalf to help you obtain compensation that you are owed. At Niemeyer, Grebel and Kruse, our team of skilled Missouri car accident attorneys offers expert representation, negotiation and litigation for our clients. Call us today at 314-241-1919.

Car accidents can be traumatic, and the situation can get even more stressful if there’s a chance you were responsible for causing the crash.

It can be embarrassing and stressful to deal with a situation where a momentary mistake or lapse in judgment caused harm to someone else. You might also face immediate responsibilities like covering damages, dealing with potential injuries, and navigating interactions with insurance companies.

Being at fault means you can be held liable for the other party’s medical expenses, property damage, and even lost wages if they are unable to work due to the accident.

However, depending on the facts of your case, you may still be able to recover a portion of the costs associated with the crash.

If you need help recovering compensation after a car accident, the St. Louis personal injury attorneys at Niemeyer, Grebel and Kruse are here to help. Call our office at 314-241-1919 to schedule a free case review.

What To Do After A Car Accident 

The steps you take afer a car accident can have a significant impact on future outcomes. Below is a list of the steps you should take after a car accident.

1. Stop your vehicle and remain at the scene of the accident. If possible, move your vehicle to the side of the road.
   
2. Check yourself and any passengers for injuries.
   
3. Call law enforcement (911 if there’s an emergency) and notify them of any injuries.
   
4. Do not admit any fault or apologize for the accident.
   
5. Exchange insurance information with the other driver.
   
6. If you’re able, collect as much information as you can at the scene. Take lots of photos, talk to witnesses.
7. After the accident, contact your insurance company to file a claim.
   

How Do They Determine Who Was At Fault?

Fault in a car accident is determined by examining evidence, comparing this against traffic laws and assessing statements from everyone involved.

Police officers at the scene investigate by reviewing the damage, interviewing witnesses and noting any traffic violations. They compile these findings into a police report, which often indicates who they believe is at fault.

Insurance companies then conduct their own investigations, analyzing the police report, photos, witness statements and other evidence.

If disputes arise or the damages are substantial, the case may go to court, where a judge or jury will make the final determination based on the available evidence and expert testimony.

What Happens If You Are Found At Fault?

Missouri is a comparative negligence state, which means that both drivers can be considered at fault if it appears that they were both responsible for the accident, to some degree.

The damages that you are responsible for will depend on your determined percentage of fault. 

If you are found at fault, your financial responsibility will correspond to the percentage of fault assigned to you. For example, if you are found to be 60% at fault, you will be responsible for covering 60% of the other party’s damages, including medical expenses, property damage and lost wages.

The remaining 40% of damages, which you are not responsible for, could potentially be recovered from the other driver if they were partially at fault.

This comparative negligence system can help reduce your financial burden, but it also means you could face higher insurance premiums and possible legal consequences.

What Are Your Legal Rights If You Are At Fault?

Even if you are found at fault for a car accident, you still have legal rights that protect you from unfair treatment and ensure a fair process. 

If you disagree with the outcome of an insurance claim or court ruling regarding fault or damages, you have the right to appeal the decision. This process allows for a review of the evidence and the opportunity to correct any errors in the initial determination.

As well, you always  have the right to consult with an attorney to protect your interests.

This blog post talks broadly about concepts in the Missouri legal system, but an experienced attorney can review your specific situation, help you understand your rights, negotiate with insurance companies and represent you in court if necessary.

They can also help ensure that your percentage of fault is accurately determined and that any settlement or judgment is fair.

Get Legal Help From St. Louis Car Accident Attorneys

At the law offices of Niemeyer, Grebel and Kruse, our team of experienced car accident attorneys can keep you informed of your rights and legal options.

Whether you’re navigating an insurance dispute or preparing for court, we are here to assist you. Call today to request a free consultation 314-241-1919.

The average Missourian pays more than $132 per month for car insurance. For that steep price, we’d expect the car insurance claims process to work for us.

However, filing a car insurance claim is often anything but smooth.

That can be the case when the other driver was at fault. When the other driver’s actions caused the crash, their insurance company has the responsibility to reimburse you for car repairs, medical bills and more. 

Of course, insurance companies don’t make money by being generous with their checkbooks. They’ll search for just about any reason to deny you the compensation you’re owed.

When that happens, what are your options?

Understanding the Insurance Claims Process

Missouri is an at-fault state for car accidents. This means that the driver responsible for causing the crash is also responsible for covering the damages.

The state uses a comparative fault model, which means that the responsibility for damages can be shared among the parties involved based on their respective levels of fault. For example, if Driver A was found 60% at fault and Driver B was found 40% at fault, Driver B’s payout will be reduced by 40%.

In cases where the other driver was at fault, you generally have two options:

1. File a claim with your insurance company – This is sometimes the faster and more straightforward route. Working through your insurance will allow you to take advantage of their legal support systems, but depending on your policy and the facts of the case, it can come at the cost of your deductible and increased premiums.
2. Pursue a third-party claim with the other driver’s insurance – Especially in cases where the other driver is clearly at fault, some drivers choose to file claims directly with the other driver’s insurance. This avoids any potential for your premiums increasing due to a new crash on your record, at the cost of having to do it yourself.

When working through your own insurance company, your insurance will often directly provide you compensation and then seek reimbursement through a process called subrogation.

In third-party claims, you’re dependent on the other driver’s insurance providing compensation.

In both cases, the other driver’s insurance might deny your claim.

Reasons for Insurance Claim Denial

Car insurance companies will only pay out as much compensation as they are legally required to, and in cases where there are any gray areas or gaps, they might try to deny claims.

Some of he most common reasons we’ve seen for denying car insurance claims are:

• Disputed liability – Perhaps the most common, this is when the other driver’s insurance thinks their client wasn’t 100% at fault.
• Disputed damages – Another very common one, these situations arise when the other driver’s insurance disagrees that the damages you reported were caused by the accident.
• Policy limitations – These can crop up if the other driver’s insurance wasn’t active at the time of the crash (due to non-payment, cancellation, lapse, etc.), if the person driving the car wasn’t covered under insurance, or if the car was being driven for a non-covered purpose (rideshare or delivery on a personal policy).
• Coverage limitations – The other driver’s insurance will only pay up to their policy limit, so if your damages exceed that, you might need to cover the gap with your own insurance.
• Reporting issues – These get flagged for incomplete, incorrect or untimely submission of documentation.
• Failure to mitigate damages – If the insurance company can show that you failed to take steps to prevent additional damages (such as not going to the doctor), they may attempt to deny your claim.

As we mentioned above, if the claims adjuster can find any significant weaknesses in your claim, you can expect a rough road ahead.

How to Avoid Denied Insurance Claims

Some of the reasons the other driver’s insurance might reject your claim are unavoidable.

If the other driver gave you details for an expired insurance policy when exchanging information, there’s zero chance that their former auto insurance company is going to give you anything.

However, when it comes to the variables you can control, it’s important to:

• Get a police report – In Missouri, you’re legally required to call the police for any crash more severe than a simple fender-bender. The police report will give you official, impartial documentation that you can use to support your case.
• Collect as much evidence as you can – If you’re able, take photos of the entire scene, including skid marks and road debris, and both cars. Talk to witnesses that can corroborate your story. If there are traffic cameras that can support your case, you can also request those videos.
• Go to the doctor – Even if you feel fine after the accident, it’s possible that adrenaline is masking symptoms of a serious injury. Go to the doctor, get checked out and you’ll have a paper trail to support any future medical claims you make.

What happens if it’s too late? Your claim with the other driver’s insurance was filed, and it has been denied. What now?

Your Options If the Other Driver’s Insurance Denies Your Claim

If the other driver’s insurance has denied your claim, your options will depend on policies, the specifics of the case and whether or not you’re working through your insurance or filing a third-party claim.

In any case, you’ll receive a denial letter that outlines the insurance company’s reasoning behind denying your claim. The letter should include information about the appeals process. If the company’s reasoning involved incomplete documentation, you should be able to collect more information and appeal the denial.

If you feel you were unjustly denied, you can also file a complaint with the Missouri Department of Insurance.

Finally, even if your claim was denied by the other driver’s insurance, you can still seek compensation through legal channels. If the amount of damages you’re seeking is less than $5,000, you can file a case in small claims court. For larger cases, it’s best to work directly with a personal injury attorney.

The St. Louis personal injury attorneys at Niemeyer, Grebel and Kruse specialize in car accident cases, and they are experienced in insurance disputes. Call us today at 314-241-1919 to schedule your free case evaluation.

When filing a car accident claim, at some point, you’ll be asked to provide a statement to your insurance company.

In the statement, your insurance company will ask for details about your accident. What time of day was it? What were the road conditions like? What happened in the moments before the accident, and what actions did you take?

It’s important to be thorough, detailed and accurate when describing your car accident to your insurance company. However, the devil is in the details. There are some things you can say that can see your claim reduced or rejected entirely.

Car crashes can be complex, and if you need help navigating the intricacies of your case, the St. Louis car accident attorneys at Niemeyer, Grebel and Kruse are here to help. Call us today at 314-241-1919 for a free case evaluation.

How to Communicate with Insurance Companies

One of your first steps after a car accident should be to report the incident to your insurance company. This ensures you receive any applicable collision coverage and starts the claims process promptly.

Contact your insurer as soon as possible after the accident, while the details are still fresh in your mind.

However, a cautious and strategic approach is crucial when communicating with insurance representatives. The key is to stick to the facts when providing your car accident description. This prevents the insurer from potentially taking your statements out of context or using them to assign you fault for the accident.

Providing a Clear, Factual Account

When describing the accident to your insurance company, your focus should be on providing only the basic details such as the time, date and location of the incident. It’s vital to maintain a neutral, factual description of the accident without making statements that could be interpreted as admitting responsibility.

Stick to observable facts and avoid speculating about what other drivers might have been thinking or doing.

Be aware that providing a written statement to the insurer can potentially be used against you later, so it’s often best to give your initial report verbally. If you’re asked to provide a written account, consider consulting with a car accident lawyer before doing so to ensure you’re not inadvertently compromising your claim.

What Not to Say to Insurance Representatives

Being mindful of your words is crucial when communicating with insurance representatives.

Never admit to any mistakes or fault when talking to them, even if you think you might have been partially responsible for the accident. Admitting fault at the scene or during conversations with insurance companies can be used against you later, potentially reducing your compensation or even leading to a denied claim.

Instead, stick to the facts of what happened without offering opinions or apologizing. If you’re unsure about how to answer a question, it’s perfectly acceptable to say, “I’m not certain” or “I’d prefer not to speculate.”

Remember, your goal is to provide an accurate account of the events without compromising your position or rights.

Importance of Photographic Evidence

In the digital age, photographic evidence has become an invaluable tool in documenting car accidents. To capture critical details that might be overlooked or forgotten later, taking pictures and videos at the crash scene is essential. Immediately after the accident, if it’s safe to do so, start documenting the scene with your smartphone or camera. Capture images of the vehicles’ positions, any visible damage, and the overall accident scene. These photos can provide clear evidence of vehicle damage and the accident scene, which can be crucial when filing your insurance claim or if legal action becomes necessary.

When taking photos, be sure to document all visible damage to the vehicles involved. Don’t forget to include license plate numbers in your photos or videos, as this can help identify the vehicles involved. Additionally, capture any debris, skid marks, or other indicators of the crash. These details can be used along with pictures of the cars to explain the mechanics of the accident to insurance representatives.

Remember, photographs play a crucial role in car accident investigations, providing insurance company investigators with visual evidence of how the accident occurred. Failing to take photos or videos at the scene can significantly weaken your claim, so make this a priority as soon as it’s safe to do so after the accident.

Dealing with the Other Party’s Insurer

When dealing with the other driver’s insurance company, remember that their primary goal is to pay as little as possible for claims. This means you need to be cautious and strategic in your interactions with them, and in most cases, the best course of action is to no talk to them at all.

Be especially wary of quick settlement offers, as these are often lowball attempts to resolve the claim quickly and cheaply, potentially leaving you undercompensated for your injuries, damages, and medical bills.

Should You Provide a Recorded Statement?

When dealing with the other driver’s insurance company, you may be asked to provide a recorded statement. However, it’s generally advisable to avoid giving such a statement without first consulting with a lawyer. While auto insurers may request a recorded statement as part of their investigation process, you are not obligated to provide one.

The reason for this caution is that providing a recorded statement can lead to unintentional admissions against your interest, potentially harming your case. Insurance adjusters are trained to ask questions in ways that might elicit responses that could be used to minimize your claim.

If you’re asked for a recorded statement, it’s best to politely decline and inform them that you’ll be seeking legal advice first. Remember, protecting your rights and ensuring fair compensation should be your primary concern.

Legal Representation Can Help

Engaging legal representation can be a game-changer when dealing with insurance companies, particularly the other party’s insurer. An experienced car accident lawyer can:

• Prevent the insurer from taking advantage of any inconsistencies or misstatements in your account of the accident

• Be well-versed in the tactics insurance companies use to reduce payouts

• Navigate these challenges effectively

• Ensure you receive a fair settlement

Many law firms, including Niemeyer, Grebel and Kruse, handle all communications and negotiations with insurance companies on behalf of their clients.

This not only relieves you of the stress of dealing directly with insurers but also ensures that your rights are protected throughout the process. With legal representation, you can focus on your recovery while your attorney works to secure the compensation you deserve.

Common Mistakes to Avoid When Describing a Car Accident

There are several common pitfalls in describing a car accident that can potentially weaken your case or complicate your insurance claim. As we mentioned above, admitting fault, even partially, is one of the most critical mistakes as it can provide a legal excuse for the other party’s insurance company to deny your claim or reduce your compensation.

Another frequent error is neglecting to seek immediate medical attention. Even if you feel fine initially, some injuries may not manifest symptoms right away. Delaying medical care can give insurance companies grounds to argue that your injuries weren’t caused by the accident.

Remaining truthful and objective in your account is crucial. Embellishing details or making assumptions can undermine your credibility and potentially harm your case. By being aware of these common mistakes, you can better protect your interests and strengthen your position when dealing with insurance companies or potential legal proceedings.

Overlooking Small Details

One of the most common mistakes people make when describing a car accident is overlooking small details that may seem insignificant at the time. However, these minor details can often play a crucial role in determining fault or the extent of damages. For instance, neglecting to document minor injuries or slight vehicle damage might seem unimportant in the immediate aftermath of an accident, but these details can become significant if complications arise later. Small details like the exact position of vehicles, the presence of skid marks, or even the timing of traffic signals can provide critical evidence about how the accident occurred.

Admitting Fault or Guilt

Be particularly cautious about using phrases like “I’m sorry” at the accident scene or during subsequent discussions, as these can be interpreted as admissions of fault.

Remember, even in what might seem like clear-cut cases, such as rear-end collisions, factors like mechanical failures could complicate the determination of fault. Therefore, it’s always best to stick to the facts and avoid making any statements that could be interpreted as accepting blame for the accident.

Inconsistent Statements

Maintaining consistency in your statements about the accident is crucial. Insurance companies are adept at identifying discrepancies in accounts, and they may use these inconsistencies to challenge the credibility of your entire claim. Even small variations in your description of the accident across different statements can lead to disputes over the facts of the incident, potentially weakening your case.

To avoid this pitfall, it’s important to ensure consistency in your account from the very beginning. Before giving any statements, take the time to carefully recall the events and write them down. Refer to these notes when speaking with police, insurance representatives or legal professionals to maintain a consistent narrative.

When to Seek Legal Help

Hiring a car accident attorney can help maximize your compensation if you’re dealing with serious injuries or significant financial losses as a result of the accident.

Complex Cases Involving Severe Injuries

When a car accident results in severe, life-changing injuries, such as major head trauma, spinal cord damage or extensive fractures, it’s critical to seek legal representation. These types of injuries often require long-term medical care and can have profound impacts on your quality of life and ability to work.

In such cases, accurately estimating and negotiating a fair settlement becomes incredibly complex, and the expertise of a seasoned car accident lawyer can be invaluable.

Disputes Over Fault

Fault and liability disputes are common in car accident cases, especially when multiple parties are involved or when the circumstances of the accident are complex.

In these situations, having a lawyer to investigate and prove fault can be crucial. An experienced attorney will know how to gather and present evidence effectively, interview witnesses, and potentially work with accident reconstruction experts to build a strong case in your favor.

Handling Denied Claims

Insurance companies often deny claims or offer significantly lower settlements than what claimants deserve. In these situations, legal help becomes crucial for appealing the decision and proving the true value of your claim. If your insurance claim has been denied, a lawyer can assist in negotiating a larger settlement or, if necessary, threatening a lawsuit to secure fair compensation.

The process of appealing a denied claim often involves extensive discovery and negotiation, areas where a lawyer’s expertise can be invaluable. They can help with:

• Gathering additional evidence

• Obtaining expert testimonies if needed

• Presenting a compelling case for why your claim should be approved or why you deserve a higher settlement.

Contact Niemeyer, Grebel and Kruse for Assistance

If you’ve been involved in a car accident in St. Louis and need expert legal assistance, Niemeyer, Grebel and Kruse is here to help. Recognized for their personalized client service and thorough legal knowledge, the attorneys at NGK Law Firm are listed among the Best Lawyers and Super Lawyers in Missouri.

With a impressive 98% client success rate and over $1 billion recovered for our clients, Niemeyer, Grebel and Kruse have the experience and track record to handle your case effectively. Call today at 314-241-1919 to schedule your free consultation.

Frequently Asked Questions

How soon after a car accident should I report it to my insurance company?

Report the accident to your insurance company as soon as possible, ideally within 24 hours of the incident, to ensure the details are fresh and the claims process can begin promptly. If you’re injured, seek medical attention before contacting your insurer.

Should I admit fault if I think the accident was my fault?

No, you should never admit fault, even if you think the accident was your fault. Admitting fault can jeopardize your claim and limit your ability to receive compensation. Stick to providing factual information about what happened instead.

Is it necessary to seek medical attention if I feel fine after the accident?

It is necessary to seek medical attention after an accident, even if you feel fine immediately. Some injuries may not show symptoms right away, and getting a medical evaluation creates a record for insurance and legal purposes. It also helps to identify and treat hidden injuries early.

How important are photographs in documenting a car accident?

Photographs are crucial in documenting a car accident as they provide visual evidence of vehicle damage, accident scene, and road conditions, helping insurance adjusters and legal professionals understand the incident. It’s important to take plenty of pictures from various angles immediately after the accident.

When should I consider hiring a car accident lawyer?

Consider hiring a car accident lawyer if you’ve suffered severe injuries, property damage, dispute over fault, insurance claim denial, multiple parties, or complex legal/medical issues. A lawyer can help protect your rights and ensure fair compensation.