Getting hurt because of someone’s carelessness is frustrating and can lead to emotional and financial stress. Dealing with insurance companies can be an added burden when trying to recover from injuries. It’s common for insurance companies to stall, delay, and deny compensation for personal injury claims. This can be extremely frustrating, but there are ways to navigate the system. Here are a few tips on how to deal with insurance company delays in Missouri.
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Understanding Missouri Personal Injury Laws
Before diving into how to handle insurance company delays, it is important to have a basic understanding of Missouri personal injury laws. In Missouri, there is a five-year statute of limitations to file a personal injury lawsuit. This means you have five years from the date of the accident to file a lawsuit. However, it’s best to file as soon as possible after the accident, as evidence may become more challenging to gather over time.
Missouri is also a comparative fault state, which means compensation can be reduced if the victim was partially at fault for the accident. For example, if a victim was found 30% responsible for the accident, they’d only be able to receive compensation for 70% of their damages. It’s important to remember that Missouri requires proof of negligence, meaning it must be shown that the other party was responsible for causing the accident.
Reasons for Insurance Company Delays
It’s essential to understand why insurance companies delay settlements or compensation to better handle the situation. One reason may be to investigate the accident’s validity and verify the nature and extent of injuries. Another reason may be to negotiate for a lower settlement or to dispute liability for the accident. The insurance company may also delay because it’s hoping the victim will accept a lower settlement or drop the claim. By understanding the reasons for delay, victims can better prepare for the fight to receive compensation.
How to Deal with Insurance Company Delays
Dealing with insurance company delays can be a long and challenging process. It can be helpful to work with a personal injury lawyer to navigate the complex legal system. Here are some tips to consider:
Keep thorough records
It’s crucial to document everything that occurs related to the claim. Keep records of all communication with the insurance company, including emails, letters, and phone calls. Take notes on any promises, deadlines, or agreements discussed with the insurance company.
Be persistent, but patient
Insurance companies often use delay tactics to wear down claimants, hoping they will give up and accept a lower settlement. It’s important to remain persistent and follow up with the insurance company regularly. However, it’s important to be patient, as the process can potentially take months or even years.
Avoid signing anything without legal counsel
Never sign any documents related to a claim without legal guidance. An insurance company may present a settlement offer that appears fair, but it is essential to consult with a lawyer to ensure the settlement is fair and covers all injury-related expenses.
Seek Legal Representation
A personal injury lawyer can help navigate the legal system and fight for maximum compensation for the victim. Insurance companies have legal teams to protect themselves, so it’s vital for victims to have a qualified legal team.
Conclusion
Dealing with insurance company delays can be frustrating and stressful, but with a basic understanding of Missouri personal injury laws and the right approach, individuals can receive the compensation they deserve. It’s essential to document everything related to the claim, remain persistent, and avoid signing any documents without legal guidance. Seeking legal representation can also make the process more manageable and increase the chances of winning a fair settlement.