Car Accident Settlement FAQs

Car insurance is a necessity – not only because you need it to legally drive, but also because the average driver files a collision claim once every 17.9 years. So most drivers will at some point need insurance to cover their losses, especially if a crash causes injuries. Unfortunately, insurance companies often try to avoid paying claims – or they try to pay less than what a person needs.

The attorneys at Bley & Evans have represented clients who have been seriously injured in car accidents and need the insurance compensation they are due. If you’d like to talk to us about your car accident, you can call us at 1-844-443-8385 to request a free case consultation. And if you have questions about how car accident settlements work, the following information may be helpful.

What happens after I file an insurance claim?

When an insurance company receives an accident claim, its claims adjusters look at all related evidence (such as witness testimony and police reports). This is standard procedure, as insurers want to protect themselves against fraud. During this initial examination of a claim, insurers may raise questions about the extent of someone’s injuries, or about who was most at fault for the accident. The more they delve into the claim, the longer it takes for people to receive a settlement check.

How long does it take to get a settlement check?

It could take weeks or months for an insured party to receive a settlement. It’s not just the insurance company’s investigation that can delay resolution of a claim – if the insurer requests additional documentation (for example, medical records), the speed at which others provide that information to insurers plays a role in how quickly or slowly claims are settled.

Why do I need an attorney to help me with my settlement?

Insurance companies have been known to take advantage of drivers’ lack of knowledge regarding the settlement process – for example, making an offer of compensation that’s unreasonably low, or denying a claim altogether. With an attorney on your side, you’re more likely to get the compensation you deserve. And often, these cases can be settled without going to court.

How much will I have to pay an attorney to help me with my case?

In a personal injury case, attorneys work on contingency, which means clients don’t pay anything up front. Legal fees are deducted from the settlement check.

Would I still be entitled to compensation if I were partly at fault for my accident?

Missouri observes “comparative fault,” which means that you can collect a percentage of damages that is equal to your percentage of fault. For example, if you were only 20 percent at fault for a crash, you would be entitled to 80 percent of the total damages awarded.

What should I do if I’ve suffered an injury in a hit-and-run crash?

When you don’t know who caused your crash, your insurance company treats your claim as if the other motorist had no insurance. By law, all insurance companies must include uninsured motorist coverage in every policy issued in Missouri. That coverage would apply to your bodily injuries, but not to any damage to your vehicle.

How much money can I get in a settlement?

When settlements are reached outside the courtroom, the terms of those agreements are often confidential. So it’s difficult to say with certainty how much money may be awarded, without knowing more details. According to Black’s Law Dictionary, the average award in 2013 was $24,000, but it does not say whether that average applies to all car accidents or just those that result in property damage only.

Are there limits to what an insurer will pay in a settlement?

In Missouri, drivers must carry a minimum of $10,000 in property damage coverage, and bodily injury coverage of $25,000 per person/$50,000 per accident. Insurance companies are not required to pay more than the policy limits. So, when people are seriously injured in a crash and the other driver is at fault and has minimum coverage, the payment from that driver’s insurer may not fully cover medical costs. Should that happen, a personal injury attorney can look for other possible sources of compensation on behalf of the injured parties.

What other sources of compensation might be available for injury victims?

Occasionally, an investigation may reveal that another party shared some responsibility for the crash. For example, if the driver of a commercial truck causes a crash while on duty, and records show the company that owns the truck has failed to maintain it, the company could be liable for damages if mechanical failure contributed to the crash.

Frequently Asked Questions About Auto Accident Settlement Claims

Car insurance is a necessity – not only because you need it to legally drive, but also because the average driver files a collision claim once every 17.9 years. So most drivers will at some point need insurance to cover their losses, especially if a crash causes injuries. Unfortunately, insurance companies often try to avoid paying claims – or they try to pay less than what a person needs.

The attorneys at Bley & Evans have represented clients who have been seriously injured in car accidents and need the insurance compensation they are due. If you’d like to talk to us about your car accident, you can call us at 1-844-443-8385 to request a free case consultation.

Recent posts

Guide to Missouri Wrongful Death Actions

Guide to Missouri Wrongful Death Actions / In Missouri, a civil suit for wrongful death is a statutory action authorized by R.S.Mo. § 537.080, 537.085, and 537.090. The statutes created a new cause of action where none existed at common law. In other words, a wr...

Early Winter Weather

Early Winter Weather / Early winter weather struck mid-Missouri late last month. While temperatures remained near 20 degrees with wind chills in the single digits, snow moved into the region. The City of Columbia preemptively deployed a 16 man...

Beware of Deer on Missouri Roads

Beware of Deer on Missouri Roads / The Missouri Department of Transportation (MoDOT) is warning Missouri motorists of deer on roads during the peak months of October and November. MoDOT reported car and deer collisions result in almost 200 deaths and $1.1...

Back to School Road Safety

Back to School Road Safety / According to the United States Department of Transportation, 50 millions students will be attending America’s public elementary and secondary schools this fall. Included in that figure is 35 million kids who will be at...

Tips to Prepare for Summer Travel

Tips to Prepare for Summer Travel / The National Highway Traffic Safety Administration recently released its list of Cool Tips for a Safe Summer Trip. Following these tips could help avoid a breakdown or even a highway collision. First, before you embark o...

Work Zone Safety: Buckle up Phone Down

Work Zone Safety: Buckle up Phone Down / The Missouri Department of Transportation wants to remind motorists to buckle up and put phones down. As warmer weather arrives in the region, work zones will become more common on the state’s highway system. While wor...

Missouri Motorist Insurance

Missouri Motorist Insurance / According to the Missouri Department of Revenue, the Show Me State requires that all motorists keep liability insurance coverage. Liability insurance is designed to indemnify the policyholder when his or her actions caus...

Aviation Consumer Protection

Aviation Consumer Protection / The U.S. Department of Transportation (DOT) released a new website of the Aviation Consumer Protection Division (ACPD). The ACPD receives and reviews consumer complaints directed at airlines. The website contains a wealt...

4 Reasons a Personal Injury Attorney Helps Your Case

4 Reasons a Personal Injury Attorney Helps Your Case / One of the most well-known sentiments in the legal field is that someone who represents themselves in court has a fool for a client. One of the central ideas behind this axiom is that even attorneys typically have the go...

Traffic Incident Response Awareness Week

Traffic Incident Response Awareness Week / The Federal Highway Administration’s second annual Traffic Incident Response Awareness Week runs from November 13 – November 19. The National Highway Traffic Safety Administration (NHTSA) reported a 7.2% increase in ...

Seatbelt Usage on the Rise as MoDOT Reminds Motorists to Drive Safely Around Big Trucks

Seatbelt Usage on the Rise as MoDOT Reminds Motorists to Drive Safely Around Big Trucks / The Missouri Safety Center and the University of Central Missouri recently released the results of the 2017 Missouri Seat Belt Usage Survey. The results showed that more Missourians are making the smart choice to buckle ...

Annual Fatal Traffic Crash Data

Annual Fatal Traffic Crash Data / Last week the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) released its annual report of fatal traffic crashes for calendar year 2016. The NHTSA collected information from ...

Pavement Blow-ups

Pavement Blow-ups / Columbia has had its first pavement blow-up of the year, according to Barry Dalton, a public information officer for the Columbia Public Works Department. Eastbound Bernadette Drive was closed down for over 24 hours earl...

Takata Airbag Recall

Takata Airbag Recall / The deaths of eleven people have spurred the expansion of the Takata airbag recall. The recall now includes some 28 million airbag inflators in the United States alone. However, only 8 million bags have been replaced, ac...

Bill in Missouri Legislature May Limit Consumer Protections for Plaintiffs

Bill in Missouri Legislature May Limit Consumer Protections for Plaintiffs / A bill currently in the Missouri Legislature threatens to limit consumer protections in Missouri.  The proposal, Senate Bill 5, specifically changes current laws relating to unlawful merchandising practices, class actio...

Laptop Battery Pack Recall Expanded

Laptop Battery Pack Recall Expanded / Toshiba has recently expanded a recall of Panasonic lithium-ion battery packs that were installed on over 40 models of Toshiba Satellite laptops. The original recall was announced in March 2016, but was expanded in Janu...

Five Injured after Multiple Vehicles Collide on I-70

Five Injured after Multiple Vehicles Collide on I-70 / Snow and ice once again contributed a number of accidents in early January in the Mid-Missouri area. The Columbia Daily Tribune reported that five people were injured in a four-vehicle crash on I-70 near Columbia on Janu...

Snow and Ice Create Dangerous Road Conditions in Mid-Missouri

Snow and Ice Create Dangerous Road Conditions in Mid-Missouri / Snow and ice over the last week has caused dangerous road conditions in Columbia and surrounding areas. Since Friday morning, nearly 400 accidents have been reportedly caused by icy conditions. Additionally, first respon...

MoDOT to Missouri Motorists: Move Over for First Responders

MoDOT to Missouri Motorists: Move Over for First Responders / On average, emergency crews working for the Missouri Department of Transportation (MoDOT) respond to 5,500 traffic accidents per month. Every year, hundreds of these emergency responders, including fire fighters, law enf...

Semi-Truck Accidents Increasingly Common in Missouri

Semi-Truck Accidents Increasingly Common in Missouri / How new and proposed rules may decrease accidents. According to a study conducted by the Missouri Department of Transportation in 2011, accidents involving commercial motor vehicles made up 9.2% off all traffic crashe...

Missouri Strikes Down Red-Light Camera Ordinances

Missouri Strikes Down Red-Light Camera Ordinances / Earlier this week, the Missouri Supreme Court struck down local ordinances regarding the use of red-light cameras in St. Louis, Kansas City, and St. Peters. While the Court did not ultimately decide the legality of using...

10-Year Statute of Repose for Medical Malpractice

10-Year Statute of Repose for Medical Malpractice / Missouri Supreme Court Upholds 10-Year Statute of Repose for Medical Malpractice Claims Earlier this year, The Supreme Court of Missouri affirmed a trial court’s dismissal of a medical malpractice claim after a heal...

Flooding Roadways

Flooding Roadways / Flooded Roadways Extremely Dangerous to Motorists Due to the high amount of rain in the past few weeks, many lakes, rivers, and streams across Missouri have seen an increase in water levels and flooding. Because flooded...

Takata Airbag Recall

Takata Airbag Recall / What you should know and what owners of recalled vehicles should do As of June 12, faulty deployment mechanisms in airbags produced by the Japanese supplier Takata have caused seven fatalities, as well as over one hundr...

Best Practices to Prevent Workplace Accidents

Best Practices to Prevent Workplace Accidents / Merriam-Webster's definition of accident is, "an unfortunate event resulting especially from carelessness or ignorance." The first example of the word used in a sentence is, "He was injured in an accident at work." Why d...

Viking Gas Range Recall

Viking Gas Range Recall / Hazard: The ranges’ ovens can turn on by themselves, posing a burn hazard to consumers. If you or someone you  know has been injured by a Viking Gas Range, contact us immediately. You may be entitled to compensati...

What to Do After a Car Accident

What to Do After a Car Accident / Get your injuries treated  If you have injuries at the accident scene, do not drive yourself away. Have yourself fully evaluated and treated by a medical professional. Document your injuries It will be much eas...

Work Safety Guide

Work Safety Guide / The backbone of a safe working environment is a proper injury and accident prevention program that incorporates the aforementioned practices and encourages employees to take safety measures seriously. As an employer, it'...

Guide to Missouri Wrongful Death Actions

Guide to Missouri Wrongful Death Actions / In Missouri, a civil suit for wrongful death is a statutory action authorized by R.S.Mo. § 537.080, 537.085, and 537.090. The statutes created a new cause of action where none existed at common law. In other words, a wr...

Early Winter Weather

Early Winter Weather / Early winter weather struck mid-Missouri late last month. While temperatures remained near 20 degrees with wind chills in the single digits, snow moved into the region. The City of Columbia preemptively deployed a 16 man...

Beware of Deer on Missouri Roads

Beware of Deer on Missouri Roads / The Missouri Department of Transportation (MoDOT) is warning Missouri motorists of deer on roads during the peak months of October and November. MoDOT reported car and deer collisions result in almost 200 deaths and $1.1...

Back to School Road Safety

Back to School Road Safety / According to the United States Department of Transportation, 50 millions students will be attending America’s public elementary and secondary schools this fall. Included in that figure is 35 million kids who will be at...

Tips to Prepare for Summer Travel

Tips to Prepare for Summer Travel / The National Highway Traffic Safety Administration recently released its list of Cool Tips for a Safe Summer Trip. Following these tips could help avoid a breakdown or even a highway collision. First, before you embark o...

Work Zone Safety: Buckle up Phone Down

Work Zone Safety: Buckle up Phone Down / The Missouri Department of Transportation wants to remind motorists to buckle up and put phones down. As warmer weather arrives in the region, work zones will become more common on the state’s highway system. While wor...

Missouri Motorist Insurance

Missouri Motorist Insurance / According to the Missouri Department of Revenue, the Show Me State requires that all motorists keep liability insurance coverage. Liability insurance is designed to indemnify the policyholder when his or her actions caus...

Aviation Consumer Protection

Aviation Consumer Protection / The U.S. Department of Transportation (DOT) released a new website of the Aviation Consumer Protection Division (ACPD). The ACPD receives and reviews consumer complaints directed at airlines. The website contains a wealt...

4 Reasons a Personal Injury Attorney Helps Your Case

4 Reasons a Personal Injury Attorney Helps Your Case / One of the most well-known sentiments in the legal field is that someone who represents themselves in court has a fool for a client. One of the central ideas behind this axiom is that even attorneys typically have the go...

Traffic Incident Response Awareness Week

Traffic Incident Response Awareness Week / The Federal Highway Administration’s second annual Traffic Incident Response Awareness Week runs from November 13 – November 19. The National Highway Traffic Safety Administration (NHTSA) reported a 7.2% increase in ...

Seatbelt Usage on the Rise as MoDOT Reminds Motorists to Drive Safely Around Big Trucks

Seatbelt Usage on the Rise as MoDOT Reminds Motorists to Drive Safely Around Big Trucks / The Missouri Safety Center and the University of Central Missouri recently released the results of the 2017 Missouri Seat Belt Usage Survey. The results showed that more Missourians are making the smart choice to buckle ...

Annual Fatal Traffic Crash Data

Annual Fatal Traffic Crash Data / Last week the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) released its annual report of fatal traffic crashes for calendar year 2016. The NHTSA collected information from ...

Pavement Blow-ups

Pavement Blow-ups / Columbia has had its first pavement blow-up of the year, according to Barry Dalton, a public information officer for the Columbia Public Works Department. Eastbound Bernadette Drive was closed down for over 24 hours earl...

Takata Airbag Recall

Takata Airbag Recall / The deaths of eleven people have spurred the expansion of the Takata airbag recall. The recall now includes some 28 million airbag inflators in the United States alone. However, only 8 million bags have been replaced, ac...

Bill in Missouri Legislature May Limit Consumer Protections for Plaintiffs

Bill in Missouri Legislature May Limit Consumer Protections for Plaintiffs / A bill currently in the Missouri Legislature threatens to limit consumer protections in Missouri.  The proposal, Senate Bill 5, specifically changes current laws relating to unlawful merchandising practices, class actio...

Laptop Battery Pack Recall Expanded

Laptop Battery Pack Recall Expanded / Toshiba has recently expanded a recall of Panasonic lithium-ion battery packs that were installed on over 40 models of Toshiba Satellite laptops. The original recall was announced in March 2016, but was expanded in Janu...

Five Injured after Multiple Vehicles Collide on I-70

Five Injured after Multiple Vehicles Collide on I-70 / Snow and ice once again contributed a number of accidents in early January in the Mid-Missouri area. The Columbia Daily Tribune reported that five people were injured in a four-vehicle crash on I-70 near Columbia on Janu...

Snow and Ice Create Dangerous Road Conditions in Mid-Missouri

Snow and Ice Create Dangerous Road Conditions in Mid-Missouri / Snow and ice over the last week has caused dangerous road conditions in Columbia and surrounding areas. Since Friday morning, nearly 400 accidents have been reportedly caused by icy conditions. Additionally, first respon...

MoDOT to Missouri Motorists: Move Over for First Responders

MoDOT to Missouri Motorists: Move Over for First Responders / On average, emergency crews working for the Missouri Department of Transportation (MoDOT) respond to 5,500 traffic accidents per month. Every year, hundreds of these emergency responders, including fire fighters, law enf...

Semi-Truck Accidents Increasingly Common in Missouri

Semi-Truck Accidents Increasingly Common in Missouri / How new and proposed rules may decrease accidents. According to a study conducted by the Missouri Department of Transportation in 2011, accidents involving commercial motor vehicles made up 9.2% off all traffic crashe...

Missouri Strikes Down Red-Light Camera Ordinances

Missouri Strikes Down Red-Light Camera Ordinances / Earlier this week, the Missouri Supreme Court struck down local ordinances regarding the use of red-light cameras in St. Louis, Kansas City, and St. Peters. While the Court did not ultimately decide the legality of using...

10-Year Statute of Repose for Medical Malpractice

10-Year Statute of Repose for Medical Malpractice / Missouri Supreme Court Upholds 10-Year Statute of Repose for Medical Malpractice Claims Earlier this year, The Supreme Court of Missouri affirmed a trial court’s dismissal of a medical malpractice claim after a heal...

Flooding Roadways

Flooding Roadways / Flooded Roadways Extremely Dangerous to Motorists Due to the high amount of rain in the past few weeks, many lakes, rivers, and streams across Missouri have seen an increase in water levels and flooding. Because flooded...

Takata Airbag Recall

Takata Airbag Recall / What you should know and what owners of recalled vehicles should do As of June 12, faulty deployment mechanisms in airbags produced by the Japanese supplier Takata have caused seven fatalities, as well as over one hundr...

Best Practices to Prevent Workplace Accidents

Best Practices to Prevent Workplace Accidents / Merriam-Webster's definition of accident is, "an unfortunate event resulting especially from carelessness or ignorance." The first example of the word used in a sentence is, "He was injured in an accident at work." Why d...

Viking Gas Range Recall

Viking Gas Range Recall / Hazard: The ranges’ ovens can turn on by themselves, posing a burn hazard to consumers. If you or someone you  know has been injured by a Viking Gas Range, contact us immediately. You may be entitled to compensati...

What to Do After a Car Accident

What to Do After a Car Accident / Get your injuries treated  If you have injuries at the accident scene, do not drive yourself away. Have yourself fully evaluated and treated by a medical professional. Document your injuries It will be much eas...

Work Safety Guide

Work Safety Guide / The backbone of a safe working environment is a proper injury and accident prevention program that incorporates the aforementioned practices and encourages employees to take safety measures seriously. As an employer, it'...

Frequently Asked Questions About Car Accidents | Bley & Evans