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If you have been injured in a preventable accident caused by another person or company’s negligence, the law allows you to recover compensation from the responsible parties. However, before that happens, you need to prove liability—which is where evidence comes in.
If you are injured by another party’s negligence, the fact that the liable party has insurance coverage does not guarantee the policy limits will be enough to fully cover your losses. Your personal injury claim may exceed the allowable coverage, and leave you wondering how you are going to pay your remaining medical bills and lost wages.
Many states require all drivers to carry minimum auto insurance policy limits that include compensation for lost wages in the event that a collision-related injury puts you out of work for a substantial period of time. Being involved in an auto accident means that you may be suffering not only physically and psychologically, but financially as well.
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.