If you’re involved in a car accident and are planning to file a claim with the insurance company, you should never admit fault.
Instead, reach out to a St. Louis car accident lawyer for legal help navigating this situation.
Missouri is a comparative fault state, which means that multiple parties can be held liable for the same incident. The parties will receive a percentage of fault based on how much they contributed to the accident or made its repercussions worse. And this percentage can affect how much compensation you can get.
How Does Comparative Fault Work?
Let’s consider the following scenario: a driver runs a red light and bumps into you. While the accident isn’t that severe, you do have some property damage and medical bills as a result. However, you were also not paying attention to your surroundings at the time, as you were trying to use the GPS and change an address.
In Missouri, both of you are responsible for the collision. The first driver ran the red light and caused the incident per se. However, because you were not completely attentive to the road, you also carry some degree of fault regarding the severity of the repercussions. The argument is that, had you paid full attention, you might have been able to act on the stop and maybe prevent the collision or at least reduce the impact.
The driver who ran the right light receives 80% guilt, while you are given 20%. This means that should you file a claim with the insurance company to get compensated, you will only receive 80% of the damages you’d be entitled to once your percentage of fault is subtracted.
So Why Shouldn’t You Admit Fault?
The concept of fault is an important legal area that can be difficult to prove or disprove, which is why many car accident victims rely on the experience of a St. Louis car accident lawyer to help them make that case.
However, when you already admit fault, even partially, the entire case can crumble, as no matter what evidence you bring to the table, your confession will be used against you. Your car accident settlement will be much lower than it would normally be.
What Should You Do?
It’s not never a good idea to admit fault after a car accident. You can’t know all the contributing factors to the incident right after it happened. Insurance companies will try to contact you at some point and ask about the incident. You are not obliged to discuss the accident or claim with them over the phone. Instead, ask them to contact your St. Louis car accident lawyer.
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, and you don’t pay unless we get you money!