Facts of the Crash
At 11:25 p.m. on November 8, 2013, Katherine A. Stephens crashed her 2007 Hyundai Elantra into the read end of Ms. Linda Armstrong’s 2013 Chevrolet Equinox. The crash occurred in the Southbound Lanes of I-55 North of Meramec Bottom Road. The Missouri State Highway Patrol reports that Ms. Stephens’ failure to reduce her speed while approaching Ms. Armstrong was the cause of the crash.
Festus resident Linda Armstrong was rushed to St. Anthony’s Medical Center by the Rock Township Ambulance District. Ms. Stephens was also injured and received treatment at St. Anthony’s. The Missouri State Highway Patrol (MSHP) reports that both drivers were wearing their seat belts when the crash occurred. According the MSHP, Ms. Stephens did not have auto insurance, however, Ms. Armstrong was insured through State Farm.
Steps to Take After the Accident
When facing a situation such as this from the viewpoint of Ms. Armstrong, here is what you should keep in mind. In a crash like this, it is possible the other driver did in fact have automobile insurance. Often, the driver simply does not have their insurance card on them when the crash occurs, but does in fact have insurance on the vehicle. Also, you need to check to see who owns the vehicle. The owner of the vehicle may have liability insurance which covers the vehicle.
If the other driver is uninsured, you are not out of options. In this case, Ms. Armstrong purchased liability insurance through State Farm. Even if you carry liability insurance only, you will have $25,000 of uninsured motorist benefits on your insurance policy. In the State of Missouri, it is illegal for an insurance company to sell liability insurance and not include at least $25,000 of uninsured motorist coverage.
Ms. Armstrong will need to establish a claim with her insurance company. However, many people are under the impression that their own insurance company will watch out for your best interests. Injury victims are well served to remember that all insurance companies make money by taking in more in premiums than they pay out in claims. These for profit machines are in this to pay as little as possible for your injury.
Do not give the insurance company a recorded statement. You will not hurt your claim in anyway if you do not immediately provide a recorded statement. Whether it is your own insurance company or another drivers, they will immediately go to work investigating the facts of the case and gathering information which is favorable to their side. You need someone performing the same function for you, gathering evidence which is favorable to you.
Do I Need to Hire a Lawyer?
Not all injury claims require the assistance of an attorney. It is truly a case by case basis. All initial consultations with an accident lawyer are free. There is no harm in finding out your legal rights before doing anything.
As a lawyer for car accident victims, I immediately attempt to speak to the other drivers, witnesses, obtain pictures, driving records, and all other relevant evidence. Our initial aggressive investigation will help ensure you are not unfairly blamed for something that is not your fault. Our compassionate and aggressive legal representation has led to our recognition as a Top 100 Trial Lawyer by the National Trial Lawyers Association. We are blessed to help and here for you. Call (314) 409-7060 for a FREE consultation.