Auto accidents happen in the blink of an eye—as a result, these types of accidents often leave victims with severe injuries that require medical attention. At this point, you may have a stack of medical bills all while missing out on work to focus on recovery. Fortunately, you have options to pursue compensation through a personal injury claim.

Our legal team at Liberty Trial Law Group understands how complicated these situations can be and we are here to provide you with sound legal advice and representation throughout your personal injury claim. Schedule a free consultation at our Liberty, Missouri, office to learn more about your options.

Types of Auto Accidents

Understanding the different types of auto accidents can help victims recognize their rights and the potential for compensation. Here are some common types of auto accidents that occur in Missouri:

Rear-End Collisions

These accidents happen when one vehicle crashes into the back of another, often due to sudden stops or distracted driving. The driver who strikes the rear of another vehicle is typically considered at fault, but factors such as brake failure or road conditions can also come into play.

T-Bone Accidents

Also known as side-impact collisions, T-bones occur when one vehicle strikes the side of another. These accidents often result in severe injuries, especially for passengers. They are mostly caused by running red lights or stop signs.

Head-On Collisions

These tragic accidents involve two vehicles crashing into each other from opposite directions. They are among the most dangerous types of collisions and often result in catastrophic injuries or fatalities. Common causes are speeding, impaired driving, or driving on the wrong side of the road.

Multi-Vehicle Pile-Ups

These incidents involve three or more vehicles and are often triggered by hazardous weather conditions or sudden lane changes. Establishing fault in a multi-vehicle accident can be complex, as it may involve multiple parties and their respective insurance companies.

Single-Vehicle Accidents

These occur when a vehicle crashes without involving another vehicle, often due to loss of control, hitting a curb, or running off the road. Factors like mechanical failure, driver impairment, or adverse weather can contribute to these incidents.

Types of Injuries Resulting From an Auto Accident

Auto accidents can lead to a wide range of injuries, varying in severity and type. Understanding these injuries is essential for victims seeking medical attention and pursuing legal claims. Here are some common types of injuries that can result from auto accidents:

• Whiplash: A neck injury caused by sudden movement of the head, often occurring in rear-end collisions.

• Fractures: Breaks in bones can happen from the impact, with common sites including arms, legs, ribs, and pelvis.

• Concussions: A type of traumatic brain injury that can occur from a blow to the head or sudden jolt of the body.

• Soft tissue injuries: These include sprains, strains, and bruises affecting muscles, ligaments, and tendons.

• Lacerations: Cuts or tears to the skin, often caused by broken glass or other debris from the collision.

• Internal injuries: Damage to organs or internal bleeding can occur, which may not be immediately apparent after the accident.

Potential Damages You Could Recover

Victims of auto accidents in Missouri may be entitled to various forms of compensation, depending on the circumstances surrounding the incident. Here are some potential damages that could be recovered:

• Medical expenses: Costs related to hospital stays, surgeries, rehabilitation, and ongoing medical care.

• Lost wages: Compensation for time off work due to injury or recovery.

• Property damage: Costs for repairing or replacing damaged vehicles and personal property.

• Pain and suffering: Compensation for physical pain, emotional distress, and diminished quality of life.

• Punitive damages: In cases of gross negligence or recklessness, additional damages may be awarded to punish the at-fault party and deter similar behavior in the future.

Regulations Governing Auto Accidents in Missouri

Missouri has specific laws and regulations that apply to auto accidents, which can significantly impact the outcomes of personal injury claims. Understanding these regulations can aid victims in navigating their cases more effectively.

Fault-Based System

Missouri operates under a fault-based insurance system. This means that the responsible party for the accident must compensate the injured party for their damages, including medical expenses, lost wages, and property damage.

Comparative Fault Rule

Missouri follows a comparative fault rule, allowing for compensation even if the injured party is found to be partially at fault for the accident. However, the compensation awarded will be reduced by their percentage of fault. For instance, if a victim is found to be 20% at fault, their compensation will be reduced by that same percentage.

Insurance Requirements

In Missouri, drivers are required to carry liability insurance with minimum coverage amounts:

• $25,000 for bodily injury per person

• $50,000 for bodily injury per accident

• $10,000 for property damage

Reporting Accidents

Missouri law mandates that any car accident resulting in injury, death, or property damage exceeding $500 must be reported to law enforcement. Failing to do so can lead to fines or penalties.

Statute of Limitations

As mentioned previously, victims have five years from the date of the accident to file a personal injury lawsuit. It’s crucial to take legal action within this timeframe to avoid losing the right to compensation.

Uninsured and Underinsured Motorist Coverage

Missouri law also encourages drivers to obtain uninsured and underinsured motorist coverage, which helps protect individuals in the event that they are involved in an accident with a driver who either lacks sufficient insurance or is uninsured.

Strong Legal Representation

By familiarizing themselves with the types of auto accidents and Missouri's legal framework, victims can better understand their rights and pursue compensation for their injuries. If you or a loved one has been involved in an auto accident, speak with our attorneys at Liberty Trial Law Group for assistance with your personal injury claim. We proudly offer free consultations.