A serious injury can turn your world upside down, leaving you with not only physical pain but also a heavy burden of financial worry. The road to recovery is long and filled with questions, especially when you face the prospect of ongoing medical treatment.
If someone else’s carelessness caused a serious accident in Missouri resulting in devastating injuries, you have legal options. This guide will help you understand your rights to get compensation for your medical expenses, including any future care you need.
Understanding your rights
Missouri operates under an “at-fault” system, meaning the person who caused the accident is responsible for your losses. Traumatic brain injuries, spinal cord damage and broken bones are common catastrophic injuries, especially in car accidents. You can seek compensation from the at-fault party’s insurance company for both economic and noneconomic damages.
Economic damages cover direct costs such as hospital bills, lost income and vehicle repairs, including the cost of future medical care.
Noneconomic damages address more personal losses such as pain and suffering. Most personal injury claims in Missouri have a five-year statute of limitations. You must act quickly to protect your claim, as evidence can disappear quickly.
Addressing concerns about future medical treatment
If you need ongoing medical care, you must carefully document all treatments, diagnoses and prognoses. A detailed medical record becomes key evidence. Personal injury claims can account for long-term care, including rehabilitation therapy and even potential future surgeries.
Do not accept a fast settlement offer. Insurance companies often try to settle claims for a low amount that does not cover the full cost of your future care. Here are vital steps:
- Keep a detailed journal of your pain levels and how your injuries affect your daily life.
- Save all receipts related to your medical care, including prescriptions and copays.
- Follow every medical instruction from your doctor and never miss an appointment.
These steps help create a clear picture of your long-term medical needs and their financial impact.
How a Missouri personal injury lawyer can help
Claims for serious injuries can be complex. A skilled personal injury lawyer can handle the legal and insurance processes so you can focus on healing. Your attorney can help determine the actual cost of your injuries, including your future medical expenses.
Experienced lawyers know how to negotiate with insurance companies so you get a fair settlement. If the insurance company refuses to offer a fair amount, your lawyer can take your case to court.