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After an accident, an insurance company may decide to total your car if it costs more to repair it than to replace it. In which case, they will refuse to pay for repairs but will give you money for the car’s actual cash value.
The serious nature of personal injury accidents often entitles victims to substantial compensation. Because of the high stakes, lawyers for insurance companies usually fight these claims tooth and nail, relying on the following common defenses to do so.
Missouri follows a “pure comparative fault” system.