Accidents happen every day. This is especially true in major cities like Saint Louis, Missouri, which is known for its busy roads and active neighborhoods. Personal injury claims help victims recover medical expenses, lost wages, and other damages. However, many people believe false information about personal injury cases, prevents them from taking the right steps. In this guide, we’ll debunk some of the most common personal injury myths.
If you suffer an injury due to someone else’s negligence, an injury lawyer in Saint Louis can help protect your rights and secure fair compensation.
MYTH 1: You Can File a Personal Injury Claim Anytime
Many people assume they can file a personal injury claim whenever they want, but this is false. Each state has a statute of limitations, which is a legal deadline for filing a claim. In Missouri, you generally have five years from the date of the injury to file a personal injury lawsuit. However, waiting too long can weaken your case, as evidence may disappear and witnesses may forget important details. The sooner you act, the stronger your case will be.
MYTH 2: Personal Injury Claims Are Only for Severe Injuries
Some people think only serious injuries qualify for personal injury claims. However, even minor injuries can lead to expensive medical bills, lost wages, and long-term health issues. Whiplash, soft tissue injuries, and mild concussions may seem small at first but can worsen over time. If your injury was caused by someone else’s negligence, you deserve compensation, no matter the severity.
MYTH 3: Filing a Claim Is Too Expensive
Many victims believe they can’t afford to file a personal injury claim. The good news is that most personal injury lawyers work on a contingency fee basis, meaning you don’t pay any legal fees upfront. Instead, the lawyer only gets paid if they win your case. This allows injured individuals to seek justice without worrying about financial strain.
MYTH 4: You Don’t Need Legal Assistance
Some people think they can handle personal injury claims on their own. While it’s possible, it’s not recommended. Insurance companies have experienced adjusters and lawyers working to reduce payouts. Without legal knowledge, you may accept a low settlement that doesn’t cover your expenses. A skilled attorney understands the law, gathers evidence, negotiates effectively, and ensures you receive fair compensation.
MYTH 5: You Can’t File a Claim If You’re Partially at Fault
Missouri follows a comparative fault rule, meaning you can still recover damages even if you are partially responsible for the accident. However, your compensation will be reduced by your percentage of fault. For example, if you are found 20% at fault, your compensation will be reduced by 20%. This means you can still receive financial recovery, even if you played a small role in the accident.
MYTH 6: The First Offer from the Insurance Company Is Final
Insurance companies often make quick settlement offers to injury victims, hoping they accept before realizing the full extent of their damages. The first offer is usually much lower than what you deserve. Always consult a lawyer before accepting a settlement. A legal expert can help you negotiate for a fair amount that covers medical bills, lost income, pain, and suffering.
Conclusion
Believing in personal injury myths can prevent you from getting the compensation you deserve. Whether it’s acting within the deadline, hiring a lawyer, or negotiating with insurance companies, being informed is key. If you’ve been injured in Saint Louis, consulting an experienced attorney can help you navigate the legal process and secure a fair settlement. Don’t let these myths hold you back—seek the justice you deserve.