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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.

Despite the COVID-19 pandemic and a lower volume of traffic, preliminary reports show that traffic deaths in Missouri actually increased by 12 percent from 2019 to 2020 and continued to rise throughout 2021. In fact, 2020 reflected Missouri’s highest number of traffic fatalities since 2007.

After a car accident, it is the insurance companies that will determine fault. Here is what they will consider when deciding.

The Police Report

A police report doesn’t always have the final say, but the officer will provide an objective opinion on how they believe the accident occurred.

A personal injury accident can leave you facing a lengthy recovery, and you may be unable to return to work for some time. One of the biggest concerns you may have is how you will supplement that loss of income. Fortunately, victims are entitled to seek reimbursement for lost wages through a personal injury claim. 

If you are facing any type of paralysis following a personal injury accident, the resulting financial costs can also be devastating. If you are filing a personal injury claim, any settlement offer by the insurance company will not automatically include long-term costs.

Patients have the right to be informed about any treatment or procedure a physician wishes to conduct. It is a healthcare provider’s duty to ensure patients can make informed decisions regarding their health. There are two different types of consent that can be given: express and implied.