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How to Deal with a Total Loss Vehicle After an Accident in Missouri

After a total loss car accident in Missouri, document everything, understand your insurance, and speak with a car accident lawyer.


Dealing with the aftermath of a car accident in Missouri, especially when it results in a total loss vehicle, can be a complex and stressful experience. This article will provide general guidance to help you navigate this challenging situation. Since each case is unique, it’s best to discuss your specific situation with an experienced car accident lawyer.

A vehicle is considered a total loss in Missouri when the cost of repairs exceeds the car’s value before the accident. Insurance companies determine this based on their assessment methods, which can vary.

Your Initial Steps

After ensuring everyone’s safety and reporting the accident, your next steps are crucial:

  1. Document Everything: Take pictures of the accident scene, the vehicle, and any injuries.
  2. Report the Accident: Notify your insurance company about the accident, but be cautious about providing detailed statements or accepting quick settlements. It’s best to speak with an attorney before speaking with insurance adjusters.

Dealing with Insurance

Dealing with insurance companies can be tricky. They might offer a settlement for your total loss vehicle, but it’s essential to understand the value of your car and your policy’s details. Here’s what you should do:

  • Review Your Insurance Policy: Understand your coverage, including the policy limits and any deductibles.
  • Get a Professional Valuation: Consider getting an independent appraisal of your vehicle’s pre-accident value.

Speak with a Car Accident Lawyer in St. Louis

Navigating insurance claims and understanding your rights can be challenging. Consulting with a St. Louis car accident lawyer can provide clarity and help protect your interests. Lawyers well-versed in Missouri’s car accident laws can guide you through the process and negotiate with insurance companies on your behalf.

What a Lawyer Can Do for You

  • Assess Your Claim: A lawyer can help assess the fairness of the settlement offered by the insurance company.
  • Negotiate with Insurance Adjusters: They can negotiate with adjusters to seek a settlement that reflects the true value of your total loss vehicle.
  • Legal Representation: If necessary, they can provide legal representation to ensure your rights are protected.

Speak With a St. Louis Car Accident Lawyer Today

Missouri has specific statutes of limitations for filing claims related to car accidents. Therefore, acting promptly is essential to ensure your rights are not compromised.

If you’ve been involved in a car accident in Missouri and are dealing with a total loss vehicle, The Hoffmann Law Firm is here to help. We offer a free case evaluation to discuss your situation and provide guidance tailored to your unique circumstances. Don’t navigate this complex process alone; let our knowledgeable team support you every step of the way.

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: May 10, 2024