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How Do Insurance Companies Determine Fault in St. Louis Car Accidents?

Determining fault in a car accident in St. Louis, Missouri, involves a thorough investigation and understanding of local laws and regulations.

Being involved in a car accident in St. Louis, Missouri, can be a stressful and confusing experience, especially when determining who is at fault. This determination is crucial because it affects how insurance claims are handled, who pays for damages, and the legal responsibilities of those involved. This article will discuss how insurance companies determine fault in St. Louis and why speaking with a St. Louis car accident lawyer is essential to protect your interests.

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The Hoffmann Law Firm, L.L.C.
Excellent
4.9
Based on 76 reviews
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Several lawyers said to call this lawyer because he is the best. You will appreciate this law firm. Helped with the injury and property claims. Attentive and knowledgeable. Great reputation in St Louis.
Would use this accident law firm. Best in Saint Louis. Highly rated and it shows. After one phone call, you just know this attorney is better. 5 Stars!!
Great law firm thanks Leah for the referral
Car accident lawyers on tv are not good . Get this attorney ! He is a pro !!
A+ attorney. Smart. Helpful. Great for automobile accident cases. Located in saint louis, missouri. Use him!
Response from the owner: Thanks. Car accident cases are difficult without the right attorney and great clients. Much appreciated.
Quality lawyer. Best law firm for a car accident. Advice was way better than other lawyers I called in St. Louis. Helped with property and injury.
Response from the owner: Thanks. The TV lawyer advertisers are just car accident settlement mills. As soon as people call a real attorney, they always tell us how much better and more helpful we were. Appreciate this.
Get this lawyer if you have an automobile accident. Simply the best!
Response from the owner: Thanks Lizzy. Recommendations from other is the best way to find a car accident attorney.
This lawyer is big time. Smooth. The other lawyers on the other side were not nearly as good as this attorney. I recommend friends in St Louis to him for accident injuries and they all say the same thing…”that lawyer is great.”
Response from the owner: Very nice of you to say. Our lawyers work hard on auto accident cases.
Family used this car accident attorney after a crash. Located in St Louis. This lawyer answers the phone and will walk you through the process. Knows his stuff!
Response from the owner: Taking calls, going over the car accident injury and property process is important. Clients that call always say we are the only lawyers that explained everything. Much appreciated.
Tried the lawyers on TV. They were not good. Hired this car accident lawyer instead because he had great reviews. The reviews are correct. This attorney is as good as they get. He does big injury cases that need to be litigated.
Response from the owner: Car accident lawyers on TV do not litigate cases. It is mass production. They have quotas. Local attorneys are best on auto accidents.
Very very good at injury claims for car wrecks. Use this St Louis attorney. Two thumbs up!
Response from the owner: Thanks for the review! All we do is accidents. When you specialize, your knowledge base and practice skills grow. Thanks!
Used this attorney for an auto accident. Highly recommend this lawyer in St. Louis. Communicates well.
Response from the owner: Communicating with clients is essential. Taking the client though the car accident claims process is important otherwise major mistakes can occur. It is an effort that we make. Thanks!
Best for car accidents in St Louis. Use this attorney.
Response from the owner: Thanks. Great clients make for great cases!
This lawyer is great for car accident injury claims. Did an uninsured motorist case. Very good attorney.
Response from the owner: Car accidents can be insured or uninsured. The claims are much different. Thanks for the review.
Great lawyer if you are in an auto accident. I recommend this attorneys office.
Response from the owner: Thanks J. Glad we got your auto accident case completed and that for telling others about our lawyers.
Very good car accident attorney. Did my and my relatives claims and paperwork. Highly recommend.
Response from the owner: Thanks for recommending our law firm on car accident cases.
Fantastic law firm, I would recommend! Received free consultation related to an auto accident when my parked car was damaged by a baseball. Very supportive advice, these guys are good!
Response from the owner: Thank you!
Recommend this attorney for auto accidents.
Response from the owner: Thanks for recommending our attorneys for an automobile accident.
Best St Louis lawyer for car accidents.
Response from the owner: Thanks Tana. Appreciate this!
Great Lawyer!!
Response from the owner: Thank you
I was in a car accident in St.Louis and hired Chris as my lawyer. He was amazing!!! He helped me every step of the way and was able to get me a great settlement!!!Highly, highly, highly recommend him!
Response from the owner: Each step is important in a car accident. Thanks for recommending us for car accidents injury claims.
If you have an auto accident and need an attorney in St Louis, I recommend Mr Hoffmann.
Response from the owner: Appreciate this James and you did great as well. Car accident claims always start with a good client.
Great car accident lawyer. Did a very good job on my injury case. Thanks!
Response from the owner: Thanks. Appreciate the compliment. All we do is car accident litigation.
Very accomplished accident attorney in Saint Louis. 5 stars for sure!
Response from the owner: Thanks
A car accident lawyer I would recommend to anyone.
Response from the owner: Thanks. That is great of you to say about our lawyers.
Great car accident attorney!!
Response from the owner: Thanks
When I had my accident he was very professional, honest and caring to me and my family it wasn't about the money it was about the care, he made sure me and my kids were took care of and I really appreciate it this is a gexcellant law firm also his secretary is the best,so I would like to say thank you chris for everything melinda .
Response from the owner: Thank you
Great car accident lawyer in St. Louis. This is a very good car accident lawyer in St. Lious. Takes phone calls. Listens. Experienced in injury litigation.
Response from the owner: Thanks Maddie. Our law firm brings experience to the table on car accident cases.
Great people, helped me through a situation over the phone. His words and advice eventually helped me in my case.
Response from the owner: Glad to hear!
Although Mr. Hoffman did not represent me in my case he was willing to take the time to get me in touch with someone who specializes in the type of incident I needed legal representation with. Attorney's such as Mr. Hoffman are difficult to find. He took personal time to keep in touch with me and give me sound legal advice and guidance. I highly recommend speaking with Mr. Hoffman if you require his services. I truly believe he is the type of person who cares and will make sure the job gets done RIGHT. Do not hesitate to contact him
Response from the owner: Anytime!
In an auto accident in St. Louis, the other car pulled out and hit us. The collision was very bad. We were all injured and used this attorney. He is very experienced in handling injury claims and got a great settlement after filing a lawsuit for us. 5 Stars!
Response from the owner: Thanks Ms. Santoni. Side impact car accidents are some of the worst our lawyers see. We have to file lawsuits on nearly every case because insurance companies deny almost every claim, but I am glad we got yours resolved. I appreciate you recommending our lawyers and giving us a 5 Star rating.
My daughter and I were in an car accident. We for both injured badly. After I finally got out of the hospital, I started looking for lawyers in Saint Louis and found this attorney who does accident and injury claims. It said their attorney would answer 24 hours a day. I called their law firm at 10 p.m. and a injury lawyer answered. He was polite, knowledgeable, and advised me of what needed to be done for myself and my daughter regarding the car accident. I hired them to do or auto accident case. They kept me well informed during the car accident case in Saint Louis County Court. I was well prepared for depositions. He help with everything. I got a good settlement as did my daughter for our injuries. Although the car accident was scary, it was bearable having a good helpful attorney on our side. I highly recommend this Saint Louis car accident law firm. Their attorneys and lawyers are great. Highly recommended
Response from the owner: Happy to help.
The Chris Hoffman law firm takesgreat care of all my legal needs. They are caring and personal and will fight for what you need. I highly recommend them. You will be very satisfied and know he got you the best deal available.
Response from the owner: Great cleints are the start to pursuing any legal case and you are the best! Thanks for the recommendation Barbara!
A true professional in terms of car accident cases. I definitely recommend this lawyer for any injury after a St. Louis accident. Very good at what these attorneys do!
Response from the owner: Thank you very much for such a great review. Our attorneys work hard at providing great service. Car accident cases are fought by insurance companies from the property damage through the personal injury claim. This forces people to get local lawyers to do their claims. Missouri and Saint Louis, in particular, is known for accident claim denial even against your own insurance carrier. Thanks again!
You will not find better attorneys for a car accident in St. Louis. Very experienced. These attorneys know all the facets of an accident case and have great advice when problems come up during the injury claim.
Response from the owner: Thanks Jack. Our attorneys appreciate a great review like this. It helps car accident victims know who are the real lawyers in St. Louis who do this work versus the mere advertisers who refer victims to lawyers they have never met for a kickback. Much appreciated!
Thanks for helping with my car accident case. These lawyers are best in St. Louis.
Response from the owner: You are welcome and thanks for the review! A lot of car accident victims read these and find it helpful in choosing a lawyer for their case. Great cases always start with great clients!
great lawyer for auto accident cases . I thought this law firm did great work .Very happy with their services. I would recommend them to others.
Response from the owner: It was very nice of you to leave a review. Thanks Brenda! A good case always starts with a great client. We appreciated the recommendation. It is good to hear back from clients and have them refer us to other injury victims after a car accident. Wish you well!
This is the best choice for a car accident attorney. These lawyers get great settlements.I was recommended to them from some people I know and was happy to get a great recommendation.
Response from the owner: Our attorneys appreciate the compliment! It is great to hear we are doing well. It means a lot when you recommend our lawyers to other car accident victims. Thanks again!
Glad I switched to this auto accident lawyer. These lawyers fight hard for their injury clients. I highly recommend these lawyers.
Response from the owner: We are happy you switched as well. Good clients are the basis for a good case. Fighting to protect your rights after an accidental injury is our sole focus. Your recommendation means a lot. Thanks again for the review.
If you are injured in a car accident you should hire this attorney. This is the best legal representation. These attorneys are very professional.
Response from the owner: Thank you for reviewing our law firm and recommending our lawyers. Attorneys appreciate feedback on whether they are doing well on cases and reviews are one of the best means for this.
ST.LOUIS AUTO ACCIDENT? I RECOMMEND THIS LAWYER FOR ANY ACCIDENT CASE INVOLVING INJURIES. VERY GOOD LAWYERS!
Response from the owner: Appreciate the Good Words! SInce our law firm started focusing exclusively on car and auto accidents, the focus had increased our knowledge and the learning curve has greatly benefited out settlement results. Specializing is key for any lawyers! All benefit from this. Thanks again for the review!
Selecting a lawyer is tough. I would rate this firm as top car accident lawyers in the St. Louis Area. Easy to work with attorneys who I would definitely recommend to friends and family. This lawyer really took his time to help us out.
Response from the owner: Selecting a lawyer would be tough. Going local and going with smaller law firms is always smart. Never use the TV lawyers. I cannot imaging getting inundated with TV ads all day and then attempting to decide on a lawyer. TV advertisers get a well earned reputation as settlement mills because they have too many clients and give their employees quotas, hence they take low settlements and earn the nickname "settlement mills." I always tell people to hire someone local and never someone on television. Jurors hate TV advertisers as well, hence not good for your case value. Thanks for the review! Glad we did well!
I was recommended to this car crash attorney. This is a very good law firm. I rate them 5 stars because they are very professional, communicate well, and get good case results. You should definitely hire these lawyers!
Response from the owner: Hey Tina! Thanks for posting this review of our law firm. Good to hear our attorneys are doing good work on car accident claims. If you ever need any help in the future, please give us a call. Thanks again!
Very experienced auto accident attorney if you are injured in a wreck . From the 1st phone call through the end of the process, this lawyer took the time to explain each step. I would recommend these lawyers if you have an accident or injury claim.
Response from the owner: Thanks Ruby! It is good to hear we kept you informed from start to finish on the steps of the car accident case. Glad our lawyers could help in this regard and appreciate you recommending our law firm to others who have been hurt as a result of another drivers negligence.
Glad I switched to this car accident lawyer. Very professional attorney. He really spent alot of time explaining the process and had solutions for every problem. Hiring this law firm is the smart choice.
Response from the owner: Thanks for the review Michael. Our attorneys appreciate getting a good review. Keeping clients informed during both the the car accident injury claim and litigation process is paramount. The importance of having answers to the problems that arise after an auto accident cannot be understated. Thanks against for recommending our St. Louis law firm.
Car Accident lawyer in St. Louis. When you need an attorney, look no further after a car accident. Great legal representation for your case. This attorney explains the process, takes on car insurance companies and will litigate if they are not being fair on your claim. Simply the best!
Response from the owner: The car accident claims process takes time. Although the property damage can get resolved quickly, the injury claim takes the majority of time and is commonly the issue that is denied by almost every insurance company. In St. Louis and throughout Missouri, car insurance companies deny claim after claim after claim...or they offer 10 cents on the dollar for medical bills as settlement in full. It is a sad reality for car accident injury victims. This is the same whether filing a claim against the at fault parties' insurance or filing a claim against your own uninsured or underinsured motorist coverage. 99 out of 100 claims are denied. We fight this abuse and litigate those 99 claims. Thanks for the review!
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Accident Reports

In St. Louis, police officers who respond to the scene of an accident will file a detailed accident report. This report includes:

  • Descriptions of the vehicles involved
  • Statements from drivers and witnesses
  • Diagrams of the accident scene
  • Weather and road conditions
  • Observations of any traffic violations

These reports are a primary source of information for insurance companies when determining fault. They provide an objective overview of the accident from a law enforcement perspective.

Statements from Drivers and Witnesses

Insurance adjusters will collect statements from the drivers involved in the accident and any witnesses. These statements provide different perspectives on how the accident occurred. Honest and accurate information is critical, as discrepancies complicate fault determination.

Physical Evidence

Physical evidence from the accident scene is vital. This includes:

In St. Louis, adjusters use this evidence to reconstruct the accident and determine the sequence of events. For example, the location and extent of vehicle damage can help identify the impact point and the force’s direction during the collision.

Traffic Laws and Regulations

Missouri traffic laws are integral to determining fault. Insurance companies review these laws to see if any were violated. For example, if a driver runs a red light or fails to yield, these actions can indicate fault. Understanding local traffic laws helps adjusters assign responsibility accurately.

Comparative Negligence in Missouri

Missouri follows a “pure comparative negligence” rule. This means that each party’s fault is measured in percentage terms, and their percentage of fault reduces compensation. For instance, if one driver is found to be 70% at fault and the other 30%, each party’s compensation is reduced by their respective percentage of fault. This rule emphasizes accurately determining each party’s contribution to the accident.

Expert Analysis

In complex cases, insurance companies might employ accident reconstruction experts. These experts use scientific methods and specialized software to analyze data and simulate accidents. Their reports can provide a detailed and clear picture of how the accident occurred and who is at fault.

Why You Should Speak with a Lawyer

Insurance companies aim to minimize the money they pay out in claims. They have skilled adjusters and legal teams working to protect their interests, which often means trying to reduce or deny your claim. This is why speaking with an experienced car accident lawyer in St. Louis is crucial. Here are some reasons why:

  • Protect Your Rights: A lawyer protects your rights throughout the claims process.
  • Navigate Legal Complexities: Understanding Missouri’s comparative negligence laws and how they apply to your case can be complex. A lawyer can provide clarity and guidance.
  • Negotiate with Insurance Companies: Lawyers have experience negotiating with insurance companies to ensure you receive fair compensation.
  • Gather Additional Evidence: An attorney can help gather and present additional evidence to support your claim.
  • Litigate if Necessary: If a fair settlement cannot be reached, a lawyer can represent you in court to pursue the compensation you deserve.

St. Louis Car Accident Attorney

Determining fault in a car accident in St. Louis, Missouri, involves a thorough investigation and understanding of local laws and regulations. Given that insurance companies are focused on minimizing their payouts, it’s vital to have a knowledgeable attorney on your side. The Hoffmann Law Firm, L.L.C. has over 30 years of experience protecting the rights of car accident victims and can provide the knowledge and support you need to navigate this challenging process and protect your rights. If you or a loved one has been involved in a car accident, call us 24/7 for a free case evaluation.

Free Consultation with a St. Louis Car Accident Lawyer

Don’t talk to an insurance claims adjuster before speaking with The Hoffmann Law Firm, L.L.C. We can help you avoid making statements that may affect the outcome of your case. The consultation is free; you don’t pay unless we get you money!

Free Consultation (314) 361-4242
Updated: June 12, 2024