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Fighting for the Rights of Injury Accident Victims
With the increasing traffic in St. Charles, car accidents are inevitable. The effects of car accidents can be physically and financially devastating and may require the help of an experienced St. Charles, Missouri car accident lawyer. If you have been involved in a car accident that has resulted in injuries, a personal injury attorney at Lampin Law Firm can help you obtain compensation for your losses.
Damages Recoverable for St. Charles Car Accident Claims
It can be difficult to determine how much your car accident case is worth. An experienced car accident lawyer in St. Charles can review your claim and help negotiate a fair and just amount of compensation. If we cannot reach a settlement with the insurance company or other opposing parties, we will prepare your case for trial.
That said, there are several types of damages you can recover as a result of your personal injury claim. These damages include your monetary and non-monetary losses. The damages you may be entitled to recover in your St. Charles car accident claim include the following:
Economic Damages
These damages are your monetary losses. They can include your medical bills, lost wages, and property damage.
Non-economic Damages
Value is ambiguous, these include your pain and suffering, loss of enjoyment of life, and permanent impairments.
Punitive Damages
These are rare, and can only be recovered if it is proven that the at-fault party acted intentionally or flagrantly.
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Common Causes of Car Accidents in St. Charles
Car accidents are caused by several factors. To prevail in a car accident claim in St. Charles, Missouri, you must prove that another party’s negligence caused your car accident. Below are some common examples of how negligence can cause a car accident.
If any of these factors played a part in your car accident, the at-fault party is responsible for compensating you for your injuries. Under Missouri law, you are eligible to obtain damages for your losses even if you were partly responsible for your accident. A car accident attorney in St. Charles, Missouri, can investigate what caused your car accident and whether you may be entitled to compensation for your injuries.
- Speeding
- Tailgating
- Failing to adhere to traffic laws
- Driving aggressively
- Defective vehicle parts
- Hazardous road conditions
- Failing to drive safely in inclement weather
- Driving while tired
Common Car Accident Scenarios & Your Potential Case
Any type of accident can cause severe injuries or even fatalities. If you or a loved one were hurt in a car accident, contact a St. Charles car accident attorney as soon as possible. We can collect the evidence needed to determine how your accident happened and determine who was responsible for causing your injuries.
In 2023 so far, there have been 1,093 traffic accidents in St. Charles, according to the City of St. Charles Police Department. These accidents can happen in a variety of ways. Common types of motor vehicle accidents in the city include the following:
Rear-End Collisions
Rear-end collisions can often result in soft tissue injuries like whiplash, which can be significant depending on speed and impact force. These cases are generally easier to pursue because fault frequently lies with the trailing driver who failed to maintain a safe following distance.
Head-On Accidents
Head-on collisions tend to cause some of the most severe injuries, including head trauma, spinal cord damage, or even fatalities. Liability is often clear since crossing the center line or veering into oncoming traffic usually indicates a strong breach of driving duty.
Angle (T-Bone) Accidents
T-bone crashes can lead to serious harm due to limited side-impact protection, often causing pelvic, chest, or head injuries. Fault often turns on who had the right of way at an intersection or who ran a stop sign or signal, so with solid evidence like traffic cams or witness statements, there’s a good likelihood of a viable claim.
Side-Swipe Accidents
Sideswipe incidents can range from minor fender-benders to major collisions if one driver loses control, potentially causing chain reactions. Proving negligence often involves showing the driver failed to maintain their lane or check blind spots, which can be relatively straightforward with credible witnesses or dashcam footage.
Rollover Accidents
Rollovers are dangerous because the roof may collapse, frequently resulting in head, neck, or spinal injuries. If another driver’s recklessness, a vehicle defect, or a road hazard caused the rollover, it may support a strong case—though expert analysis is often needed to establish fault.
Multiple Vehicle Accidents
Multi-car pileups can lead to compounded injuries due to repeated impacts and chaotic chain reactions. Determining fault can be complex, but if the initial collision stemmed from a negligent driver (e.g., speeding, distracted driving), you can often form a solid argument for liability against them.
Single-Car Accidents
Although these crashes involve only one vehicle, serious injuries may still occur from hitting stationary objects or rolling over. A viable lawsuit could arise if you prove a third party’s negligence—such as a mechanical defect or unsafe road conditions—though demonstrating this fault may require specialized evidence.
Hit-and-Run Accidents
Hit-and-run collisions can lead to serious injuries made worse by delays in receiving help and by the added stress of tracking down the fleeing driver. While the lack of an identifiable at-fault driver initially complicates fault determination, if the driver is found or if you have uninsured motorist coverage, you may still have a viable path to compensation.
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Common Injuries Associated with Car Accidents
Depending on how severe your injuries are, you may require long-term and intensive medical treatment. The cost of this treatment and physical therapy can add up quickly, resulting in financial hardship for you and your family. We can help you obtain the compensation you deserve after your car accident to get you on the road to recovery.
The injuries obtained in accidents can range from mild to fatal. Many of these injuries can be physically and financially devastating. The following are injuries commonly obtained as a result of car accidents:
- Whiplash
- Concussions
- Broken Bones
- Neck and Back Injuries
- Spinal Cord Injuries
- Traumatic Brain Injuries
- Disfigurement
- Paralysis
- Wrongful Death
Missouri's Statute of Limitations for Car Accidents
In Missouri, you have five years from the date of your car accident to file a lawsuit against the liable parties. If you do not file your claim within this statute of limitations, you may be barred from doing so forever. This is why it is important to consult with a car accident lawyer in St. Charles as soon as possible after your collision.
Remedy
Medical Bills: Who Pays?
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The responsibility for medical bills usually depends on your insurance policy and the state in which you live. Two common systems are:
No-Fault Insurance:
Some states operate on a no-fault system, meaning your own insurance pays for your medical expenses regardless of who was at fault.
At-Fault Insurance:
In other states, the person responsible for causing the accident (or their insurance) is responsible for covering medical bills.
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How to Determine Your Insurance Type:
- Review Your Insurance Policy – The most direct way to know what type of insurance you have is by reviewing your insurance policy. Your policy’s declarations page will list all the coverages you’ve purchased, their limits, and the cost for each. Look for terms like “liability,” “comprehensive,” “collision,” “uninsured motorist,” “underinsured motorist,” and “medical payments” or “MedPay.”
- Contact Your Insurance Agent or Provider – If you’re uncertain about reading your policy or if you have questions, contact your insurance agent or the customer service department of your insurance company. They can explain the specifics of your policy.
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Missouri’s Minimum Insurance Requirements – Missouri law requires motorists to have certain minimum insurance coverages:
Liability coverage: This pays for third-party personal injuries and property damage when you’re at fault.
Uninsured motorist coverage: This pays for your injuries if you’re hit by a driver who doesn’t have insurance. - Availability to our clients – Sometimes you will need to speak with your attorney outside of normal business hours. Our clients have their attorney’s cell phone numbers and are able to reach them at any time of the day.
Free Case Evaluation
Speak With an Attorney Today
It can be difficult to investigate the cause of your car accident, determine liability, and gather the necessary evidence to prove you are owed damages because of another party’s negligence. Our attorneys will ensure that the proper steps are taken and that all deadlines are met.
Here’s a high level overview of what the process typically looks like:
- Investigating your car accident
- Gathering evidence necessary to support your claim
- Interviewing important witnesses
- Collecting documentation to support your damages
- Negotiating with the insurance company and opposing lawyers
- Trying your case in court, if necessary
Frequently Asked Questions
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Our Personal Injury Lawyers Have Over 100 Years of Combined Experience.
37
Years of Experience
Charles E. Lampin
16
Years of Experience
Michael Boyd
38
Years of Experience
Ross Buehler
17
Years of Experience
Bond Wilkison
A Highly Rated Personal Injury Law Firm
